TPIF vs. SCHG

Last updated Jun 24, 2026

TPIF (Timothy Plan International ETF) and SCHG (Schwab U.S. Large-Cap Growth ETF) are both exchange-traded funds - TPIF is a Foreign Large Cap Equities fund tracking the Victory International Volatility Weighted BRI Index, while SCHG is a Large Cap Growth Equities fund tracking the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. Both are passively managed. Over the past 5 years, TPIF returned 7.52%/yr vs 13.27%/yr for SCHG. A 0.66 correlation means they provide meaningful diversification when combined. TPIF charges 0.62%/yr vs 0.04%/yr for SCHG.

Performance

TPIF vs. SCHG - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Timothy Plan International ETF (TPIF) and Schwab U.S. Large-Cap Growth ETF (SCHG). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TPIF achieves a 8.10% return, which is significantly higher than SCHG's 1.35% return.

TPIF

• 1D: -2.07%
• 1M: -1.36%
• YTD: 8.10%
• 6M: 7.68%
• 1Y: 20.07%
• 3Y*: 17.62%
• 5Y*: 7.52%
• 10Y*: —

SCHG

• 1D: -1.37%
• 1M: -3.93%
• YTD: 1.35%
• 6M: 0.09%
• 1Y: 17.91%
• 3Y*: 22.13%
• 5Y*: 13.27%
• 10Y*: 18.65%

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

TPIF vs. SCHG - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
TPIF Timothy Plan International ETF	8.10%	34.34%	3.49%	16.64%	-18.07%	10.42%	7.21%	4.13%
SCHG Schwab U.S. Large-Cap Growth ETF	1.35%	17.50%	34.95%	50.10%	-31.80%	28.11%	39.14%	3.87%

Correlation

The correlation between TPIF and SCHG is 0.62, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.62
Correlation (3Y) Calculated over the trailing 3-year period	0.57
Correlation (5Y) Calculated over the trailing 5-year period	0.64
Correlation (All Time) Calculated using the full available price history since Dec 3, 2019	0.66

The correlation between TPIF and SCHG has been stable across timeframes, ranging from 0.57 to 0.66 - a consistent structural relationship.

TPIF vs. SCHG - Sectors Allocation Comparison

Sectors	TPIF	SCHG
Industrials	25.1%	6.0%
Financial Services	23.9%	6.6%
Basic Materials	9.0%	1.3%
Utilities	8.4%	0.4%
Technology	7.6%	46.7%
Energy	6.0%	0.7%
Healthcare	5.9%	8.4%
Consumer Cyclical	5.8%	12.4%
Consumer Defensive	3.5%	1.6%
Communication Services	2.5%	15.3%
Real Estate	2.3%	0.5%

Return for Risk

TPIF vs. SCHG — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

TPIF

TPIF Risk / Return Rank: 43
TPIF Sharpe Ratio Rank: 43
TPIF Sortino Ratio Rank: 41
TPIF Omega Ratio Rank: 43
TPIF Calmar Ratio Rank: 42
TPIF Martin Ratio Rank: 48

SCHG

SCHG Risk / Return Rank: 28
SCHG Sharpe Ratio Rank: 31
SCHG Sortino Ratio Rank: 30
SCHG Omega Ratio Rank: 30
SCHG Calmar Ratio Rank: 23
SCHG Martin Ratio Rank: 27

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

TPIF vs. SCHG - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Timothy Plan International ETF (TPIF) and Schwab U.S. Large-Cap Growth ETF (SCHG). 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	SCHG	Difference
Sharpe ratio: Return per unit of total volatility	1.41	1.11	+0.30
Sortino ratio: Return per unit of downside risk	1.98	1.56	+0.42
Omega ratio: Gain probability vs. loss probability	1.26	1.20	+0.06
Calmar ratio: Return relative to maximum drawdown	1.98	1.10	+0.88
Martin ratio: Return relative to average drawdown	7.60	3.58	+4.02

TPIF vs. SCHG - Sharpe Ratio Comparison

The current TPIF Sharpe Ratio is 1.41, which is comparable to the SCHG Sharpe Ratio of 1.11. The chart below compares the historical Sharpe Ratios of TPIF and SCHG, 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

TPIF vs. SCHG - Drawdown Comparison

The maximum TPIF drawdown since its inception was -34.02%, roughly equal to the maximum SCHG drawdown of -34.59%. Use the drawdown chart below to compare losses from any high point for TPIF and SCHG.

Drawdown Indicators

	TPIF	SCHG	Difference
Max Drawdown Largest peak-to-trough decline	-34.02%	-34.59%	+0.57%
Max Drawdown (1Y) Largest decline over 1 year	-10.19%	-16.41%	+6.22%
Max Drawdown (3Y) Largest decline over 3 years	-12.64%	-23.39%	+10.75%
Max Drawdown (5Y) Largest decline over 5 years	-32.11%	-34.59%	+2.48%
Max Drawdown (10Y) Largest decline over 10 years	—	-34.59%	—
Current Drawdown Current decline from peak	-3.19%	-6.46%	+3.27%
Average Drawdown Average peak-to-trough decline	-7.91%	-5.20%	-2.71%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.65%	5.02%	-2.37%

Volatility

TPIF vs. SCHG - Volatility Comparison

The current volatility for Timothy Plan International ETF (TPIF) is 5.09%, while Schwab U.S. Large-Cap Growth ETF (SCHG) has a volatility of 5.91%. This indicates that TPIF experiences smaller price fluctuations and is considered to be less risky than SCHG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TPIF	SCHG	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.09%	5.91%	-0.82%
Volatility (6M) Calculated over the trailing 6-month period	12.33%	12.52%	-0.19%
Volatility (1Y) Calculated over the trailing 1-year period	14.30%	16.24%	-1.94%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.77%	22.38%	-6.61%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.30%	21.58%	-3.28%

TPIF vs. SCHG - Expense Ratio Comparison

TPIF has a 0.62% expense ratio, which is higher than SCHG's 0.04% expense ratio.

Dividends

TPIF vs. SCHG - Dividend Comparison

TPIF's dividend yield for the trailing twelve months is around 2.73%, more than SCHG's 0.38% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHG Schwab U.S. Large-Cap Growth ETF	0.38%	0.36%	0.39%	0.46%	0.55%	0.42%	0.52%	0.82%	1.27%	1.01%	1.04%	1.22%
TPIF Timothy Plan International ETF	2.73%	2.65%	2.98%	2.40%	2.58%	2.38%	1.72%	0.13%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both TPIF and SCHG in my portfolio?

TPIF and SCHG have a correlation of 0.62, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, TPIF or SCHG?

SCHG has higher volatility (5.91%) compared to TPIF (5.09%). In terms of maximum drawdown, TPIF dropped -34.02% vs SCHG's -34.59%.

Which ETF is better, TPIF or SCHG?

On 5-year performance, SCHG leads with 13.27% vs 7.52% for TPIF. On fees, SCHG is cheaper at 0.04% per year. On volatility, TPIF has been the lower-risk option at 5.09%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, TPIF or SCHG?

Over the 5-year period, SCHG has performed better with a 13.27% return vs 7.52%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, TPIF or SCHG?

SCHG is cheaper with a 0.04% expense ratio, compared with 0.62% for TPIF.

Which ETF pays a higher dividend yield, TPIF or SCHG?

TPIF has the higher dividend yield at 2.73%, compared with 0.38% for SCHG.

What is the main difference between TPIF and SCHG?

TPIF is categorized as Foreign Large Cap Equities, while SCHG is Large Cap Growth Equities. TPIF tracks Victory International Volatility Weighted BRI Index, while SCHG tracks Dow Jones U.S. Large-Cap Growth Total Stock Market Index. They also come from different issuers: Timothy Plan and Charles Schwab. Their fees differ too: 0.62% for TPIF and 0.04% for SCHG.

Which has better risk-adjusted returns?

TPIF currently has the higher Sharpe Ratio (1.41 vs 1.11), 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.