TLGAX vs. MINIX

Last updated Aug 1, 2026

TLGAX (Timothy Plan Large/Mid Cap Growth Fund) and MINIX (MFS International Intrinsic Value Fund Class I) are both Large Cap Growth Equities funds. Over the past 10 years, TLGAX returned 12.60%/yr vs 10.19%/yr for MINIX. Their 0.66 correlation means they have sometimes moved together and sometimes differently. TLGAX charges 1.61%/yr vs 0.72%/yr for MINIX.

Performance

TLGAX vs. MINIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Timothy Plan Large/Mid Cap Growth Fund (TLGAX) and MFS International Intrinsic Value Fund Class I (MINIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TLGAX achieves a 12.61% return, which is significantly higher than MINIX's 9.12% return. Over the past 10 years, TLGAX has outperformed MINIX with an annualized return of 12.60%, while MINIX has yielded a comparatively lower 10.19% annualized return.

TLGAX

• 1D: 2.66%
• 1M: -4.48%
• 6M: 10.52%
• YTD: 12.61%
• 1Y: 16.78%
• 3Y*: 17.55%
• 5Y*: 10.61%
• 10Y*: 12.60%
• ALL TIME*: 5.34%

MINIX

• 1D: 2.25%
• 1M: 3.06%
• 6M: 4.42%
• YTD: 9.12%
• 1Y: 22.97%
• 3Y*: 16.87%
• 5Y*: 7.83%
• 10Y*: 10.19%
• ALL TIME*: 9.12%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
MINIX MFS International Intrinsic Value Fund Class I	$0.00	$0.00	$0.00
TLGAX Timothy Plan Large/Mid Cap Growth Fund	$0.00	$0.00	$0.00

TLGAX vs. MINIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TLGAX Timothy Plan Large/Mid Cap Growth Fund	12.61%	11.60%	22.24%	24.16%	-21.44%	29.00%	22.21%	30.73%	-11.48%	16.90%
MINIX MFS International Intrinsic Value Fund Class I	9.12%	33.06%	7.35%	18.04%	-23.05%	10.55%	20.45%	25.90%	-9.02%	27.14%

Correlation

The correlation between TLGAX and MINIX is 0.64, 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.	0.64
Correlation (3Y) Balances recent behavior with more history.	0.65
Correlation (5Y) Shows whether the relationship held over a longer period.	0.72
Correlation (10Y) Provides a long-term view across more market conditions.	0.71
Correlation (All Time) Calculated using the full available price history since Oct 25, 2000	0.66

The correlation between TLGAX and MINIX has been stable across timeframes, ranging from 0.64 to 0.72 - a consistent structural relationship.

Return for Risk

TLGAX vs. MINIX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

TLGAX

TLGAX Risk / Return Rank: 24
TLGAX Sharpe Ratio Rank: 20
TLGAX Sortino Ratio Rank: 20
TLGAX Omega Ratio Rank: 20
TLGAX Calmar Ratio Rank: 30
TLGAX Martin Ratio Rank: 32

MINIX

MINIX Risk / Return Rank: 51
MINIX Sharpe Ratio Rank: 60
MINIX Sortino Ratio Rank: 57
MINIX Omega Ratio Rank: 56
MINIX Calmar Ratio Rank: 44
MINIX Martin Ratio Rank: 39

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

TLGAX vs. MINIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Large/Mid Cap Growth Fund (TLGAX) and MFS International Intrinsic Value Fund Class I (MINIX). 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.

	TLGAX	MINIX	Difference
Sharpe ratio: Return per unit of total volatility	0.74	1.44	-0.70
Sortino ratio: Return per unit of downside risk	1.13	2.03	-0.90
Omega ratio: Gain probability vs. loss probability	1.14	1.25	-0.12
Calmar ratio: Return relative to maximum drawdown	1.34	1.70	-0.36
Martin ratio: Return relative to average drawdown	4.78	5.60	-0.82

TLGAX vs. MINIX - Sharpe Ratio Comparison

The current TLGAX Sharpe Ratio is 0.74, which is lower than the MINIX Sharpe Ratio of 1.44. The chart below compares the historical Sharpe Ratios of TLGAX and MINIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

TLGAX vs. MINIX - Drawdown Comparison

The maximum TLGAX drawdown since its inception was -61.24%, which is greater than MINIX's maximum drawdown of -51.72%. Use the drawdown chart below to compare losses from any high point for TLGAX and MINIX.

Drawdown Indicators

	TLGAX	MINIX	Difference
Max Drawdown Largest peak-to-trough decline	-61.24%	-51.72%	-9.52%
Max Drawdown (1Y) Largest decline over 1 year	-10.60%	-12.42%	+1.82%
Max Drawdown (3Y) Largest decline over 3 years	-21.12%	-13.59%	-7.53%
Max Drawdown (5Y) Largest decline over 5 years	-28.82%	-36.78%	+7.96%
Max Drawdown (10Y) Largest decline over 10 years	-35.72%	-36.78%	+1.06%
Current Drawdown Current decline from peak	-8.22%	-0.61%	-7.61%
Average Drawdown Average peak-to-trough decline	-18.76%	-8.59%	-10.17%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.97%	3.76%	-0.79%

Volatility

TLGAX vs. MINIX - Volatility Comparison

Timothy Plan Large/Mid Cap Growth Fund (TLGAX) has a higher volatility of 6.48% compared to MFS International Intrinsic Value Fund Class I (MINIX) at 3.96%. This indicates that TLGAX's price experiences larger fluctuations and is considered to be riskier than MINIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TLGAX	MINIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.48%	3.96%	+2.52%
Volatility (6M) Calculated over the trailing 6-month period	15.67%	12.21%	+3.46%
Volatility (1Y) Calculated over the trailing 1-year period	19.12%	14.65%	+4.47%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	19.63%	16.79%	+2.84%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	19.81%	15.52%	+4.29%

TLGAX vs. MINIX - Expense Ratio Comparison

TLGAX has a 1.61% expense ratio, which is higher than MINIX's 0.72% expense ratio.

Dividends

TLGAX vs. MINIX - Dividend Comparison

TLGAX's dividend yield for the trailing twelve months is around 11.18%, more than MINIX's 7.12% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
MINIX MFS International Intrinsic Value Fund Class I	7.12%	7.77%	12.02%	11.21%	13.90%	7.25%	5.25%	3.94%	4.49%	2.62%	1.82%	3.20%
TLGAX Timothy Plan Large/Mid Cap Growth Fund	11.18%	12.59%	6.98%	5.89%	10.34%	5.99%	1.69%	4.03%	5.81%	2.54%	1.21%	10.79%

Frequently Asked Questions

Can I hold both TLGAX and MINIX in my portfolio?

TLGAX and MINIX have a correlation of 0.64, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, TLGAX or MINIX?

TLGAX has higher volatility (6.48%) compared to MINIX (3.96%). In terms of maximum drawdown, TLGAX dropped -61.24% vs MINIX's -51.72%.

Which has better risk-adjusted returns?

MINIX currently has the higher Sharpe Ratio (1.44 vs 0.74), 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.