TPIF vs. TPFC

Last updated Jul 17, 2026

TPIF (Timothy Plan International ETF) and TPFC (Timothy Plan Free Cash Flow ETF) are both exchange-traded funds - TPIF is a Foreign Large Cap Equities fund tracking the Victory International Volatility Weighted BRI Index, while TPFC is a Mid Cap Value Equities fund tracking the Victory Free Cash Flow BRI Index. Both are passively managed. A 0.50 correlation means they provide meaningful diversification when combined. TPIF charges 0.62%/yr vs 0.59%/yr for TPFC.

Performance

TPIF vs. TPFC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Timothy Plan International ETF (TPIF) and Timothy Plan Free Cash Flow ETF (TPFC). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

TPIF

• 1D: -0.64%
• 1M: -1.21%
• 6M: 6.22%
• YTD: 9.69%
• 1Y: 20.02%
• 3Y*: 16.39%
• 5Y*: 8.05%
• 10Y*: —

TPFC

• 1D: -0.05%
• 1M: -0.56%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

TPIF vs. TPFC - Yearly Performance Comparison

	2026 (YTD)
TPIF Timothy Plan International ETF	1.80%
TPFC Timothy Plan Free Cash Flow ETF	1.27%

Correlation

The correlation between TPIF and TPFC is 0.50, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since May 5, 2026	0.50

Return for Risk

TPIF vs. TPFC — Risk / Return Rank

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

TPIF

TPIF Risk / Return Rank: 50
TPIF Sharpe Ratio Rank: 50
TPIF Sortino Ratio Rank: 48
TPIF Omega Ratio Rank: 49
TPIF Calmar Ratio Rank: 48
TPIF Martin Ratio Rank: 54

TPFC

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

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. TPFC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Timothy Plan International ETF (TPIF) and Timothy Plan Free Cash Flow ETF (TPFC). 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	TPFC	Difference
Sharpe ratio: Return per unit of total volatility	1.40	—	—
Sortino ratio: Return per unit of downside risk	1.97	—	—
Omega ratio: Gain probability vs. loss probability	1.26	—	—
Calmar ratio: Return relative to maximum drawdown	1.97	—	—
Martin ratio: Return relative to average drawdown	7.45	—	—

Drawdowns

TPIF vs. TPFC - Drawdown Comparison

The maximum TPIF drawdown since its inception was -34.02%, which is greater than TPFC's maximum drawdown of -5.82%. Use the drawdown chart below to compare losses from any high point for TPIF and TPFC.

Drawdown Indicators

	TPIF	TPFC	Difference
Max Drawdown Largest peak-to-trough decline	-34.02%	-5.82%	-28.20%
Max Drawdown (1Y) Largest decline over 1 year	-10.19%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-12.64%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-32.11%	—	—
Current Drawdown Current decline from peak	-1.77%	-3.18%	+1.41%
Average Drawdown Average peak-to-trough decline	-7.85%	-2.48%	-5.37%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.69%	—	—

Volatility

Volatility by Period

	TPIF	TPFC	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.65%	—	—
Volatility (6M) Calculated over the trailing 6-month period	12.47%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	14.36%	14.30%	+0.06%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.76%	14.30%	+1.46%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.25%	14.30%	+3.95%

TPIF vs. TPFC - Expense Ratio Comparison

TPIF has a 0.62% expense ratio, which is higher than TPFC's 0.59% expense ratio.

Dividends

TPIF vs. TPFC - Dividend Comparison

TPIF's dividend yield for the trailing twelve months is around 2.73%, more than TPFC's 0.13% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019
TPFC Timothy Plan Free Cash Flow ETF	0.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
TPIF Timothy Plan International ETF	2.73%	2.65%	2.98%	2.40%	2.58%	2.38%	1.72%	0.13%

Frequently Asked Questions

Can I hold both TPIF and TPFC in my portfolio?

TPIF and TPFC have a correlation of 0.50, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, TPIF or TPFC?

On fees, TPFC 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, TPIF or TPFC?

TPFC is cheaper with a 0.59% expense ratio, compared with 0.62% for TPIF.

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

TPIF has the higher dividend yield at 2.73%, compared with 0.13% for TPFC.

What is the main difference between TPIF and TPFC?

TPIF is categorized as Foreign Large Cap Equities, while TPFC is Mid Cap Value Equities. TPIF tracks Victory International Volatility Weighted BRI Index, while TPFC tracks Victory Free Cash Flow BRI Index. Their fees differ too: 0.62% for TPIF and 0.59% for TPFC.