TPHAX vs. TSGAX
Compare and contrast key facts about Timothy Plan High Yield Bond Fund (TPHAX) and Timothy Plan Strategic Growth Fund (TSGAX).
TPHAX is managed by Timothy Plan. It was launched on May 7, 2007. TSGAX is managed by Timothy Plan. It was launched on Oct 4, 2000.
Performance
TPHAX vs. TSGAX - Performance Comparison
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TPHAX vs. TSGAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TPHAX Timothy Plan High Yield Bond Fund | -1.27% | 7.57% | 7.95% | 12.24% | -12.24% | 5.69% | 6.12% | 16.60% | -4.66% | 6.22% |
TSGAX Timothy Plan Strategic Growth Fund | 0.19% | 12.94% | 6.01% | 7.66% | -13.69% | 11.67% | 8.13% | 18.84% | -12.29% | 11.54% |
Returns By Period
In the year-to-date period, TPHAX achieves a -1.27% return, which is significantly lower than TSGAX's 0.19% return. Both investments have delivered pretty close results over the past 10 years, with TPHAX having a 5.07% annualized return and TSGAX not far behind at 4.99%.
TPHAX
- 1D
- 0.27%
- 1M
- -1.92%
- YTD
- -1.27%
- 6M
- 0.08%
- 1Y
- 5.78%
- 3Y*
- 7.50%
- 5Y*
- 3.23%
- 10Y*
- 5.07%
TSGAX
- 1D
- -0.09%
- 1M
- -6.33%
- YTD
- 0.19%
- 6M
- 0.78%
- 1Y
- 11.29%
- 3Y*
- 7.92%
- 5Y*
- 3.64%
- 10Y*
- 4.99%
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TPHAX vs. TSGAX - Expense Ratio Comparison
TPHAX has a 1.39% expense ratio, which is higher than TSGAX's 1.09% expense ratio.
Return for Risk
TPHAX vs. TSGAX — Risk / Return Rank
TPHAX
TSGAX
TPHAX vs. TSGAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Timothy Plan High Yield Bond Fund (TPHAX) and Timothy Plan Strategic Growth Fund (TSGAX). 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.
| TPHAX | TSGAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.63 | 0.98 | +0.65 |
Sortino ratioReturn per unit of downside risk | 2.23 | 1.43 | +0.79 |
Omega ratioGain probability vs. loss probability | 1.37 | 1.20 | +0.16 |
Calmar ratioReturn relative to maximum drawdown | 1.76 | 1.18 | +0.59 |
Martin ratioReturn relative to average drawdown | 8.05 | 5.33 | +2.72 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| TPHAX | TSGAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.63 | 0.98 | +0.65 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.75 | 0.36 | +0.39 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 1.05 | 0.44 | +0.60 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.88 | 0.17 | +0.71 |
Correlation
The correlation between TPHAX and TSGAX is 0.40, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
TPHAX vs. TSGAX - Dividend Comparison
TPHAX's dividend yield for the trailing twelve months is around 5.87%, more than TSGAX's 1.17% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TPHAX Timothy Plan High Yield Bond Fund | 5.87% | 5.39% | 5.75% | 5.35% | 4.60% | 4.23% | 4.26% | 4.11% | 4.13% | 3.55% | 3.88% | 4.72% |
TSGAX Timothy Plan Strategic Growth Fund | 1.17% | 1.17% | 3.33% | 1.57% | 7.33% | 4.70% | 3.40% | 3.72% | 0.36% | 0.00% | 0.00% | 0.34% |
Drawdowns
TPHAX vs. TSGAX - Drawdown Comparison
The maximum TPHAX drawdown since its inception was -35.48%, smaller than the maximum TSGAX drawdown of -54.36%. Use the drawdown chart below to compare losses from any high point for TPHAX and TSGAX.
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Drawdown Indicators
| TPHAX | TSGAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -35.48% | -54.36% | +18.88% |
Max Drawdown (1Y)Largest decline over 1 year | -3.05% | -8.90% | +5.85% |
Max Drawdown (5Y)Largest decline over 5 years | -15.98% | -19.78% | +3.80% |
Max Drawdown (10Y)Largest decline over 10 years | -22.38% | -27.47% | +5.09% |
Current DrawdownCurrent decline from peak | -2.24% | -6.49% | +4.25% |
Average DrawdownAverage peak-to-trough decline | -3.28% | -11.73% | +8.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.67% | 1.97% | -1.30% |
Volatility
TPHAX vs. TSGAX - Volatility Comparison
The current volatility for Timothy Plan High Yield Bond Fund (TPHAX) is 1.47%, while Timothy Plan Strategic Growth Fund (TSGAX) has a volatility of 3.65%. This indicates that TPHAX experiences smaller price fluctuations and is considered to be less risky than TSGAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TPHAX | TSGAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.47% | 3.65% | -2.18% |
Volatility (6M)Calculated over the trailing 6-month period | 2.10% | 6.60% | -4.50% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.49% | 11.66% | -8.17% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.31% | 10.11% | -5.80% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.86% | 11.27% | -6.41% |