TFIAX vs. TPIAX
TFIAX (Timothy Plan Fixed Income Fund) and TPIAX (Timothy Plan International Fund) are both mutual funds - TFIAX is a Intermediate Core Bond fund managed by Timothy Plan, while TPIAX is a Foreign Large Cap Equities fund managed by Timothy Plan. Over the past 10 years, TFIAX returned 0.65%/yr vs 9.28%/yr for TPIAX. At a correlation of -0.12, they often move in opposite directions. TFIAX charges 1.34%/yr vs 1.64%/yr for TPIAX.
Performance
TFIAX vs. TPIAX - Performance Comparison
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Returns By Period
In the year-to-date period, TFIAX achieves a 0.41% return, which is significantly lower than TPIAX's 14.20% return. Over the past 10 years, TFIAX has underperformed TPIAX with an annualized return of 0.65%, while TPIAX has yielded a comparatively higher 9.28% annualized return.
TFIAX
- 1D
- 0.00%
- 1M
- 0.99%
- YTD
- 0.41%
- 6M
- 0.74%
- 1Y
- 4.34%
- 3Y*
- 3.32%
- 5Y*
- -0.41%
- 10Y*
- 0.65%
TPIAX
- 1D
- 1.46%
- 1M
- 4.75%
- YTD
- 14.20%
- 6M
- 13.76%
- 1Y
- 30.41%
- 3Y*
- 17.68%
- 5Y*
- 8.50%
- 10Y*
- 9.28%
TFIAX vs. TPIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TFIAX Timothy Plan Fixed Income Fund | 0.41% | 6.41% | 0.12% | 4.85% | -12.11% | -2.45% | 5.24% | 6.14% | -0.67% | 1.72% |
TPIAX Timothy Plan International Fund | 14.20% | 28.36% | 7.48% | 14.55% | -17.62% | 8.02% | 21.71% | 22.54% | -18.90% | 23.64% |
Correlation
The correlation between TFIAX and TPIAX is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.28 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.18 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.03 |
Correlation (All Time) Calculated using the full available price history since May 3, 2007 | -0.12 |
The correlation between TFIAX and TPIAX shifts across timeframes, from -0.12 (all time) to 0.37 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
TFIAX vs. TPIAX — Risk / Return Rank
TFIAX
TPIAX
TFIAX vs. TPIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Fixed Income Fund (TFIAX) and Timothy Plan International Fund (TPIAX). 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.
| TFIAX | TPIAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.60 | ||
| Sortino ratioReturn per unit of downside risk | -0.76 | ||
| Omega ratioGain probability vs. loss probability | 1.22 | 1.33 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | 1.54 | 2.53 | -1.00 |
| Martin ratioReturn relative to average drawdown | 4.43 | 9.82 | -5.39 |
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Drawdowns
TFIAX vs. TPIAX - Drawdown Comparison
The maximum TFIAX drawdown since its inception was -18.62%, smaller than the maximum TPIAX drawdown of -58.51%. Use the drawdown chart below to compare losses from any high point for TFIAX and TPIAX.
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Drawdown Indicators
| TFIAX | TPIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.62% | -58.51% | +39.89% |
Max Drawdown (1Y)Largest decline over 1 year | -2.91% | -11.62% | +8.71% |
Max Drawdown (3Y)Largest decline over 3 years | -6.49% | -14.37% | +7.88% |
Max Drawdown (5Y)Largest decline over 5 years | -17.30% | -32.64% | +15.34% |
Max Drawdown (10Y)Largest decline over 10 years | -18.62% | -36.22% | +17.60% |
Current DrawdownCurrent decline from peak | -4.65% | 0.00% | -4.65% |
Average DrawdownAverage peak-to-trough decline | -2.92% | -17.19% | +14.27% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.01% | 2.99% | -1.98% |
Volatility
TFIAX vs. TPIAX - Volatility Comparison
The current volatility for Timothy Plan Fixed Income Fund (TFIAX) is 1.04%, while Timothy Plan International Fund (TPIAX) has a volatility of 5.81%. This indicates that TFIAX experiences smaller price fluctuations and is considered to be less risky than TPIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TFIAX | TPIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.04% | 5.81% | -4.77% |
Volatility (6M)Calculated over the trailing 6-month period | 2.70% | 13.90% | -11.20% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.71% | 16.27% | -12.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.65% | 16.73% | -11.08% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.46% | 17.23% | -12.77% |
TFIAX vs. TPIAX - Expense Ratio Comparison
TFIAX has a 1.34% expense ratio, which is lower than TPIAX's 1.64% expense ratio.
Dividends
TFIAX vs. TPIAX - Dividend Comparison
TFIAX's dividend yield for the trailing twelve months is around 3.04%, more than TPIAX's 1.63% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TFIAX Timothy Plan Fixed Income Fund | 3.04% | 3.00% | 3.04% | 2.48% | 1.28% | 0.84% | 1.21% | 1.60% | 1.92% | 1.62% | 1.75% | 2.03% |
TPIAX Timothy Plan International Fund | 1.63% | 1.86% | 2.07% | 0.98% | 0.45% | 0.45% | 0.00% | 0.78% | 1.21% | 2.13% | 1.05% | 1.11% |
Frequently Asked Questions
TFIAX and TPIAX have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TPIAX has higher volatility (5.81%) compared to TFIAX (1.04%). In terms of maximum drawdown, TFIAX dropped -18.62% vs TPIAX's -58.51%.
TPIAX currently has the higher Sharpe Ratio (1.81 vs 1.21), 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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