TCGAX vs. SPY
Compare and contrast key facts about Timothy Plan Conservative Growth Fund (TCGAX) and State Street SPDR S&P 500 ETF (SPY).
TCGAX is managed by Timothy Plan. It was launched on Oct 4, 2000. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Performance
TCGAX vs. SPY - Performance Comparison
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TCGAX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TCGAX Timothy Plan Conservative Growth Fund | 1.27% | 10.54% | 4.29% | 6.59% | -12.86% | 7.61% | 7.71% | 14.78% | -9.25% | 8.29% |
SPY State Street SPDR S&P 500 ETF | -3.65% | 17.72% | 24.89% | 26.18% | -18.18% | 28.73% | 18.33% | 31.22% | -4.57% | 21.71% |
Returns By Period
In the year-to-date period, TCGAX achieves a 1.27% return, which is significantly higher than SPY's -3.65% return. Over the past 10 years, TCGAX has underperformed SPY with an annualized return of 3.89%, while SPY has yielded a comparatively higher 14.06% annualized return.
TCGAX
- 1D
- 1.36%
- 1M
- -3.62%
- YTD
- 1.27%
- 6M
- 1.68%
- 1Y
- 9.88%
- 3Y*
- 6.75%
- 5Y*
- 2.52%
- 10Y*
- 3.89%
SPY
- 1D
- 0.75%
- 1M
- -4.28%
- YTD
- -3.65%
- 6M
- -1.42%
- 1Y
- 18.14%
- 3Y*
- 18.48%
- 5Y*
- 11.86%
- 10Y*
- 14.06%
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TCGAX vs. SPY - Expense Ratio Comparison
TCGAX has a 1.04% expense ratio, which is higher than SPY's 0.09% expense ratio.
Return for Risk
TCGAX vs. SPY — Risk / Return Rank
TCGAX
SPY
TCGAX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Conservative Growth Fund (TCGAX) and State Street SPDR S&P 500 ETF (SPY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| TCGAX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.16 | 0.96 | +0.20 |
Sortino ratioReturn per unit of downside risk | 1.64 | 1.49 | +0.15 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.23 | 0.00 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 1.53 | -0.02 |
Martin ratioReturn relative to average drawdown | 6.33 | 7.27 | -0.94 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| TCGAX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.16 | 0.96 | +0.20 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.33 | 0.70 | -0.37 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.47 | 0.79 | -0.32 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.30 | 0.56 | -0.26 |
Correlation
The correlation between TCGAX and SPY is 0.88, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
TCGAX vs. SPY - Dividend Comparison
TCGAX's dividend yield for the trailing twelve months is around 1.13%, which matches SPY's 1.13% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCGAX Timothy Plan Conservative Growth Fund | 1.13% | 1.14% | 3.45% | 1.65% | 5.35% | 4.01% | 2.56% | 3.64% | 2.47% | 0.31% | 0.00% | 7.45% |
SPY State Street SPDR S&P 500 ETF | 1.13% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
Drawdowns
TCGAX vs. SPY - Drawdown Comparison
The maximum TCGAX drawdown since its inception was -40.54%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for TCGAX and SPY.
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Drawdown Indicators
| TCGAX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -40.54% | -55.19% | +14.65% |
Max Drawdown (1Y)Largest decline over 1 year | -6.87% | -12.05% | +5.18% |
Max Drawdown (5Y)Largest decline over 5 years | -17.77% | -24.50% | +6.73% |
Max Drawdown (10Y)Largest decline over 10 years | -20.35% | -33.72% | +13.37% |
Current DrawdownCurrent decline from peak | -4.11% | -5.53% | +1.42% |
Average DrawdownAverage peak-to-trough decline | -6.31% | -9.09% | +2.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.65% | 2.54% | -0.89% |
Volatility
TCGAX vs. SPY - Volatility Comparison
The current volatility for Timothy Plan Conservative Growth Fund (TCGAX) is 3.36%, while State Street SPDR S&P 500 ETF (SPY) has a volatility of 5.35%. This indicates that TCGAX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TCGAX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.36% | 5.35% | -1.99% |
Volatility (6M)Calculated over the trailing 6-month period | 5.28% | 9.50% | -4.22% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.95% | 19.06% | -10.11% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.71% | 17.06% | -9.35% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.29% | 17.92% | -9.63% |