TPIF vs. BIL
TPIF (Timothy Plan International ETF) and BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) are both exchange-traded funds - TPIF is a Foreign Large Cap Equities fund tracking the Victory International Volatility Weighted BRI Index, while BIL is a Government Bonds fund tracking the Bloomberg 1-3 Month U.S. Treasury Bill Index. Both are passively managed. Over the past 5 years, TPIF returned 8.17%/yr vs 3.45%/yr for BIL. At a correlation of -0.02, they often move in opposite directions. TPIF charges 0.62%/yr vs 0.14%/yr for BIL.
Performance
TPIF vs. BIL - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, TPIF achieves a 10.38% return, which is significantly higher than BIL's 1.66% return.
TPIF
- 1D
- -0.07%
- 1M
- 0.73%
- YTD
- 10.38%
- 6M
- 10.41%
- 1Y
- 23.54%
- 3Y*
- 18.44%
- 5Y*
- 8.17%
- 10Y*
- —
BIL
- 1D
- 0.00%
- 1M
- 0.27%
- YTD
- 1.66%
- 6M
- 1.75%
- 1Y
- 3.85%
- 3Y*
- 4.60%
- 5Y*
- 3.45%
- 10Y*
- 2.20%
TPIF vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
TPIF Timothy Plan International ETF | 10.38% | 34.34% | 3.49% | 16.64% | -18.07% | 10.42% | 7.21% | 4.13% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 1.66% | 4.15% | 5.19% | 4.94% | 1.40% | -0.10% | 0.40% | 0.10% |
Correlation
The correlation between TPIF and BIL is -0.08, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.08 |
Correlation (3Y) Calculated over the trailing 3-year period | -0.09 |
Correlation (5Y) Calculated over the trailing 5-year period | -0.01 |
Correlation (All Time) Calculated using the full available price history since Dec 3, 2019 | -0.02 |
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
TPIF vs. BIL — Risk / Return Rank
TPIF
BIL
TPIF vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Timothy Plan International ETF (TPIF) and SPDR Bloomberg 1-3 Month T-Bill ETF (BIL). 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.
| TPIF | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -17.70 | ||
| Sortino ratioReturn per unit of downside risk | -170.84 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 87.41 | -86.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.32 | 353.28 | -350.96 |
| Martin ratioReturn relative to average drawdown | 8.94 | 2,801.35 | -2,792.41 |
Loading charts...
Drawdowns
TPIF vs. BIL - Drawdown Comparison
The maximum TPIF drawdown since its inception was -34.02%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for TPIF and BIL.
Loading charts...
Drawdown Indicators
| TPIF | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.02% | -0.78% | -33.24% |
Max Drawdown (1Y)Largest decline over 1 year | -10.19% | -0.01% | -10.18% |
Max Drawdown (3Y)Largest decline over 3 years | -12.64% | -0.01% | -12.63% |
Max Drawdown (5Y)Largest decline over 5 years | -32.11% | -0.09% | -32.02% |
Max Drawdown (10Y)Largest decline over 10 years | — | -0.21% | — |
Current DrawdownCurrent decline from peak | -1.14% | 0.00% | -1.14% |
Average DrawdownAverage peak-to-trough decline | -7.91% | -0.26% | -7.65% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.64% | 0.00% | +2.64% |
Volatility
TPIF vs. BIL - Volatility Comparison
Timothy Plan International ETF (TPIF) has a higher volatility of 4.66% compared to SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at 0.07%. This indicates that TPIF's price experiences larger fluctuations and is considered to be riskier than BIL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| TPIF | BIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.66% | 0.07% | +4.59% |
Volatility (6M)Calculated over the trailing 6-month period | 12.14% | 0.14% | +12.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.16% | 0.20% | +13.96% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.74% | 0.26% | +15.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.29% | 0.26% | +18.03% |
TPIF vs. BIL - Expense Ratio Comparison
TPIF has a 0.62% expense ratio, which is higher than BIL's 0.14% expense ratio.
Dividends
TPIF vs. BIL - Dividend Comparison
TPIF's dividend yield for the trailing twelve months is around 2.67%, less than BIL's 3.85% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 3.85% | 4.13% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% |
TPIF Timothy Plan International ETF | 2.67% | 2.65% | 2.98% | 2.40% | 2.58% | 2.38% | 1.72% | 0.13% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
TPIF and BIL have a correlation of -0.08, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TPIF has higher volatility (4.66%) compared to BIL (0.07%). In terms of maximum drawdown, TPIF dropped -34.02% vs BIL's -0.78%.
On 5-year performance, TPIF leads with 8.17% vs 3.45% for BIL. On fees, BIL is cheaper at 0.14% per year. On volatility, BIL has been the lower-risk option at 0.07%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 5-year period, TPIF has performed better with a 8.17% return vs 3.45%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
BIL is cheaper with a 0.14% expense ratio, compared with 0.62% for TPIF.
BIL has the higher dividend yield at 3.85%, compared with 2.67% for TPIF.
TPIF is categorized as Foreign Large Cap Equities, while BIL is Government Bonds. TPIF tracks Victory International Volatility Weighted BRI Index, while BIL tracks Bloomberg 1-3 Month U.S. Treasury Bill Index. They also come from different issuers: Timothy Plan and State Street. Their fees differ too: 0.62% for TPIF and 0.14% for BIL.
BIL currently has the higher Sharpe Ratio (19.37 vs 1.67), 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.
Find the right allocation for TPIF and BIL
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer