TPFG vs. SPCT

Last updated Jul 17, 2026

TPFG (Timothy Plan Free Cash Flow Growth ETF) and SPCT (Liberty One Spectrum ETF) are both Large Cap Blend Equities funds. TPFG is passively managed, while SPCT is actively managed. At a correlation of -0.18, they often move in opposite directions. TPFG charges 0.59%/yr vs 0.85%/yr for SPCT.

Performance

TPFG vs. SPCT - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Timothy Plan Free Cash Flow Growth ETF (TPFG) and Liberty One Spectrum ETF (SPCT). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

TPFG

• 1D: -2.66%
• 1M: -6.77%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

SPCT

• 1D: 0.99%
• 1M: 1.35%
• 6M: 7.01%
• YTD: 9.92%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

TPFG vs. SPCT - Yearly Performance Comparison

	2026 (YTD)
TPFG Timothy Plan Free Cash Flow Growth ETF	-0.76%
SPCT Liberty One Spectrum ETF	2.78%

Correlation

The correlation between TPFG and SPCT is -0.18, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.

	Correlation
Correlation (All Time) Calculated using the full available price history since May 5, 2026	-0.18

Return for Risk

TPFG vs. SPCT - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Free Cash Flow Growth ETF (TPFG) and Liberty One Spectrum ETF (SPCT). 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.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Drawdowns

TPFG vs. SPCT - Drawdown Comparison

The maximum TPFG drawdown since its inception was -9.58%, which is greater than SPCT's maximum drawdown of -7.17%. Use the drawdown chart below to compare losses from any high point for TPFG and SPCT.

Drawdown Indicators

	TPFG	SPCT	Difference
Max Drawdown Largest peak-to-trough decline	-9.58%	-7.17%	-2.41%
Current Drawdown Current decline from peak	-9.58%	0.00%	-9.58%
Average Drawdown Average peak-to-trough decline	-2.86%	-1.49%	-1.37%

Volatility

Volatility by Period

	TPFG	SPCT	Difference
Volatility (1Y) Calculated over the trailing 1-year period	32.98%	9.27%	+23.71%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.98%	9.27%	+23.71%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.98%	9.27%	+23.71%

TPFG vs. SPCT - Expense Ratio Comparison

TPFG has a 0.59% expense ratio, which is lower than SPCT's 0.85% expense ratio.

Dividends

TPFG vs. SPCT - Dividend Comparison

TPFG has not paid dividends to shareholders, while SPCT's dividend yield for the trailing twelve months is around 0.73%.

Position	TTM	2025
SPCT Liberty One Spectrum ETF	0.73%	0.16%
TPFG Timothy Plan Free Cash Flow Growth ETF	0.00%	0.00%

Frequently Asked Questions

Can I hold both TPFG and SPCT in my portfolio?

TPFG and SPCT have a correlation of -0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, TPFG or SPCT?

On fees, TPFG is cheaper at 0.59% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, TPFG or SPCT?

TPFG is cheaper with a 0.59% expense ratio, compared with 0.85% for SPCT.

Which ETF pays a higher dividend yield, TPFG or SPCT?

SPCT has the higher dividend yield at 0.73%, compared with 0.00% for TPFG.

What is the main difference between TPFG and SPCT?

They also come from different issuers: Timothy Plan and Liberty One. Their fees differ too: 0.59% for TPFG and 0.85% for SPCT.