TCGAX vs. TFIAX
TCGAX (Timothy Plan Conservative Growth Fund) and TFIAX (Timothy Plan Fixed Income Fund) are both mutual funds - TCGAX is a Diversified Portfolio fund managed by Timothy Plan, while TFIAX is a Intermediate Core Bond fund managed by Timothy Plan. Over the past 10 years, TCGAX returned 4.07%/yr vs 0.43%/yr for TFIAX. Their -0.01 correlation means they have often moved in opposite directions in the past. TCGAX charges 1.04%/yr vs 1.34%/yr for TFIAX.
Performance
TCGAX vs. TFIAX - Performance Comparison
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Returns By Period
In the year-to-date period, TCGAX achieves a 6.43% return, which is significantly higher than TFIAX's -0.64% return. Over the past 10 years, TCGAX has outperformed TFIAX with an annualized return of 4.07%, while TFIAX has yielded a comparatively lower 0.43% annualized return.
TCGAX
- 1D
- 0.51%
- 1M
- 0.68%
- 6M
- 3.80%
- YTD
- 6.43%
- 1Y
- 11.05%
- 3Y*
- 7.80%
- 5Y*
- 2.92%
- 10Y*
- 4.07%
- ALL TIME*
- 3.24%
TFIAX
- 1D
- -0.22%
- 1M
- -0.99%
- 6M
- -0.86%
- YTD
- -0.64%
- 1Y
- 1.84%
- 3Y*
- 2.95%
- 5Y*
- -0.78%
- 10Y*
- 0.43%
- ALL TIME*
- 2.90%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
TCGAX vs. TFIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TCGAX Timothy Plan Conservative Growth Fund | 6.43% | 10.54% | 4.29% | 6.59% | -12.86% | 7.61% | 7.71% | 14.78% | -9.25% | 8.29% |
TFIAX Timothy Plan Fixed Income Fund | -0.64% | 6.41% | 0.12% | 4.85% | -12.11% | -2.45% | 5.24% | 6.14% | -0.67% | 1.72% |
Correlation
The correlation between TCGAX and TFIAX is 0.52, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.52 |
Correlation (3Y) Balances recent behavior with more history. | 0.46 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.42 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.22 |
Correlation (All Time) Calculated using the full available price history since Oct 17, 2000 | -0.01 |
The correlation between TCGAX and TFIAX shifts across timeframes, from -0.01 (all time) to 0.52 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
TCGAX vs. TFIAX — Risk / Return Rank
TCGAX
TFIAX
TCGAX vs. TFIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Conservative Growth Fund (TCGAX) and Timothy Plan Fixed Income Fund (TFIAX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TCGAX | TFIAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.70 | ||
| Sortino ratioReturn per unit of downside risk | +1.00 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.13 | +0.13 |
| Calmar ratioReturn relative to maximum drawdown | 1.90 | 0.94 | +0.96 |
| Martin ratioReturn relative to average drawdown | 7.06 | 2.37 | +4.69 |
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Drawdowns
TCGAX vs. TFIAX - Drawdown Comparison
The maximum TCGAX drawdown since its inception was -40.54%, which is greater than TFIAX's maximum drawdown of -18.62%. Use the drawdown chart below to compare losses from any high point for TCGAX and TFIAX.
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Drawdown Indicators
| TCGAX | TFIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -40.54% | -18.62% | -21.92% |
Max Drawdown (1Y)Largest decline over 1 year | -5.57% | -2.91% | -2.66% |
Max Drawdown (3Y)Largest decline over 3 years | -7.75% | -5.46% | -2.29% |
Max Drawdown (5Y)Largest decline over 5 years | -17.77% | -17.22% | -0.55% |
Max Drawdown (10Y)Largest decline over 10 years | -20.35% | -18.62% | -1.73% |
Current DrawdownCurrent decline from peak | 0.00% | -5.65% | +5.65% |
Average DrawdownAverage peak-to-trough decline | -6.24% | -2.92% | -3.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.50% | 1.16% | +0.34% |
Volatility
TCGAX vs. TFIAX - Volatility Comparison
Timothy Plan Conservative Growth Fund (TCGAX) has a higher volatility of 1.57% compared to Timothy Plan Fixed Income Fund (TFIAX) at 1.00%. This indicates that TCGAX's price experiences larger fluctuations and is considered to be riskier than TFIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TCGAX | TFIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.57% | 1.00% | +0.57% |
Volatility (6M)Calculated over the trailing 6-month period | 5.76% | 2.83% | +2.93% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.34% | 3.69% | +3.65% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.82% | 5.66% | +2.16% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.34% | 4.46% | +3.88% |
TCGAX vs. TFIAX - Expense Ratio Comparison
TCGAX has a 1.04% expense ratio, which is lower than TFIAX's 1.34% expense ratio.
Dividends
TCGAX vs. TFIAX - Dividend Comparison
TCGAX's dividend yield for the trailing twelve months is around 1.08%, less than TFIAX's 3.20% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCGAX Timothy Plan Conservative Growth Fund | 1.08% | 1.14% | 3.45% | 1.65% | 5.35% | 4.01% | 2.56% | 3.64% | 2.47% | 0.31% | 0.00% | 7.45% |
TFIAX Timothy Plan Fixed Income Fund | 3.20% | 3.00% | 3.04% | 2.48% | 1.28% | 0.84% | 1.21% | 1.60% | 1.92% | 1.62% | 1.75% | 2.03% |
Frequently Asked Questions
TCGAX and TFIAX have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TCGAX has higher volatility (1.57%) compared to TFIAX (1.00%). In terms of maximum drawdown, TCGAX dropped -40.54% vs TFIAX's -18.62%.
TCGAX currently has the higher Sharpe Ratio (1.45 vs 0.75), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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