TPFG vs. SPIT

Last updated Jul 16, 2026

TPFG (Timothy Plan Free Cash Flow Growth ETF) and SPIT (F/m Emerald Special Situations ETF) are both Large Cap Growth Equities funds. TPFG is passively managed, while SPIT is actively managed. Their correlation of 0.83 suggests significant overlap in exposure. TPFG charges 0.59%/yr vs 0.89%/yr for SPIT.

Performance

TPFG vs. SPIT - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Timothy Plan Free Cash Flow Growth ETF (TPFG) and F/m Emerald Special Situations ETF (SPIT). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

TPFG

• 1D: -1.34%
• 1M: -4.90%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

SPIT

• 1D: -0.57%
• 1M: -1.27%
• 6M: 18.11%
• YTD: 27.10%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

TPFG vs. SPIT - Yearly Performance Comparison

	2026 (YTD)
TPFG Timothy Plan Free Cash Flow Growth ETF	1.96%
SPIT F/m Emerald Special Situations ETF	4.80%

Correlation

The correlation between TPFG and SPIT is 0.83, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since May 5, 2026	0.83

Return for Risk

TPFG vs. SPIT - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Free Cash Flow Growth ETF (TPFG) and F/m Emerald Special Situations ETF (SPIT). 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. SPIT - Drawdown Comparison

The maximum TPFG drawdown since its inception was -8.66%, smaller than the maximum SPIT drawdown of -12.49%. Use the drawdown chart below to compare losses from any high point for TPFG and SPIT.

Drawdown Indicators

	TPFG	SPIT	Difference
Max Drawdown Largest peak-to-trough decline	-8.66%	-12.49%	+3.83%
Current Drawdown Current decline from peak	-7.10%	-5.58%	-1.52%
Average Drawdown Average peak-to-trough decline	-2.73%	-2.54%	-0.19%

Volatility

Volatility by Period

	TPFG	SPIT	Difference
Volatility (1Y) Calculated over the trailing 1-year period	32.74%	26.27%	+6.47%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.74%	26.27%	+6.47%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.74%	26.27%	+6.47%

TPFG vs. SPIT - Expense Ratio Comparison

TPFG has a 0.59% expense ratio, which is lower than SPIT's 0.89% expense ratio.

Dividends

TPFG vs. SPIT - Dividend Comparison

TPFG has not paid dividends to shareholders, while SPIT's dividend yield for the trailing twelve months is around 5.65%.

Position	TTM	2025
SPIT F/m Emerald Special Situations ETF	5.65%	7.18%
TPFG Timothy Plan Free Cash Flow Growth ETF	0.00%	0.00%

Frequently Asked Questions

Can I hold both TPFG and SPIT in my portfolio?

TPFG and SPIT have a correlation of 0.83, 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 SPIT?

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 SPIT?

TPFG is cheaper with a 0.59% expense ratio, compared with 0.89% for SPIT.

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

SPIT has the higher dividend yield at 5.65%, compared with 0.00% for TPFG.

What is the main difference between TPFG and SPIT?

They also come from different issuers: Timothy Plan and F/m Investments. Their fees differ too: 0.59% for TPFG and 0.89% for SPIT.