TSGAX vs. TCGAX
TSGAX (Timothy Plan Strategic Growth Fund) and TCGAX (Timothy Plan Conservative Growth Fund) are both Diversified Portfolio funds from Timothy Plan. Over the past 10 years, TSGAX returned 5.39%/yr vs 4.07%/yr for TCGAX. Their correlation of 0.91 means they have usually moved in the same direction. TSGAX charges 1.09%/yr vs 1.04%/yr for TCGAX.
Performance
TSGAX vs. TCGAX - Performance Comparison
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Returns By Period
In the year-to-date period, TSGAX achieves a 7.89% return, which is significantly higher than TCGAX's 6.43% return. Over the past 10 years, TSGAX has outperformed TCGAX with an annualized return of 5.39%, while TCGAX has yielded a comparatively lower 4.07% annualized return.
TSGAX
- 1D
- 1.06%
- 1M
- 0.17%
- 6M
- 4.36%
- YTD
- 7.89%
- 1Y
- 13.41%
- 3Y*
- 9.54%
- 5Y*
- 4.18%
- 10Y*
- 5.39%
- ALL TIME*
- 2.91%
TCGAX
- 1D
- 0.51%
- 1M
- 0.68%
- 6M
- 3.80%
- YTD
- 6.43%
- 1Y
- 11.05%
- 3Y*
- 7.80%
- 5Y*
- 2.92%
- 10Y*
- 4.07%
- ALL TIME*
- 3.24%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
TSGAX vs. TCGAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSGAX Timothy Plan Strategic Growth Fund | 7.89% | 12.94% | 6.01% | 7.66% | -13.69% | 11.67% | 8.13% | 18.84% | -12.29% | 11.54% |
TCGAX Timothy Plan Conservative Growth Fund | 6.43% | 10.54% | 4.29% | 6.59% | -12.86% | 7.61% | 7.71% | 14.78% | -9.25% | 8.29% |
Correlation
The correlation between TSGAX and TCGAX is 0.97 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.97 |
Correlation (3Y) Balances recent behavior with more history. | 0.97 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.97 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.98 |
Correlation (All Time) Calculated using the full available price history since Oct 17, 2000 | 0.91 |
The correlation between TSGAX and TCGAX has been stable across timeframes, ranging from 0.91 to 0.98 - a consistent structural relationship.
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Return for Risk
TSGAX vs. TCGAX — Risk / Return Rank
TSGAX
TCGAX
TSGAX vs. TCGAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Timothy Plan Strategic Growth Fund (TSGAX) and Timothy Plan Conservative Growth Fund (TCGAX). 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.
| TSGAX | TCGAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.15 | ||
| Sortino ratioReturn per unit of downside risk | -0.21 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.26 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 1.83 | 1.90 | -0.07 |
| Martin ratioReturn relative to average drawdown | 7.05 | 7.06 | -0.02 |
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Drawdowns
TSGAX vs. TCGAX - Drawdown Comparison
The maximum TSGAX drawdown since its inception was -54.36%, which is greater than TCGAX's maximum drawdown of -40.54%. Use the drawdown chart below to compare losses from any high point for TSGAX and TCGAX.
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Drawdown Indicators
| TSGAX | TCGAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -54.36% | -40.54% | -13.82% |
Max Drawdown (1Y)Largest decline over 1 year | -6.75% | -5.57% | -1.18% |
Max Drawdown (3Y)Largest decline over 3 years | -10.10% | -7.75% | -2.35% |
Max Drawdown (5Y)Largest decline over 5 years | -19.78% | -17.77% | -2.01% |
Max Drawdown (10Y)Largest decline over 10 years | -27.47% | -20.35% | -7.12% |
Current DrawdownCurrent decline from peak | -0.43% | 0.00% | -0.43% |
Average DrawdownAverage peak-to-trough decline | -11.59% | -6.24% | -5.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.75% | 1.50% | +0.25% |
Volatility
TSGAX vs. TCGAX - Volatility Comparison
Timothy Plan Strategic Growth Fund (TSGAX) has a higher volatility of 2.36% compared to Timothy Plan Conservative Growth Fund (TCGAX) at 1.57%. This indicates that TSGAX's price experiences larger fluctuations and is considered to be riskier than TCGAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TSGAX | TCGAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.36% | 1.57% | +0.79% |
Volatility (6M)Calculated over the trailing 6-month period | 7.64% | 5.76% | +1.88% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.59% | 7.34% | +2.25% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.27% | 7.82% | +2.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.36% | 8.34% | +3.02% |
TSGAX vs. TCGAX - Expense Ratio Comparison
TSGAX has a 1.09% expense ratio, which is higher than TCGAX's 1.04% expense ratio.
Dividends
TSGAX vs. TCGAX - Dividend Comparison
TSGAX's dividend yield for the trailing twelve months is around 1.08%, which matches TCGAX's 1.08% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCGAX Timothy Plan Conservative Growth Fund | 1.08% | 1.14% | 3.45% | 1.65% | 5.35% | 4.01% | 2.56% | 3.64% | 2.47% | 0.31% | 0.00% | 7.45% |
TSGAX Timothy Plan Strategic Growth Fund | 1.08% | 1.17% | 3.33% | 1.57% | 7.33% | 4.70% | 3.40% | 3.72% | 0.36% | 0.00% | 0.00% | 0.34% |
Frequently Asked Questions
With a correlation of 0.97, TSGAX and TCGAX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
TSGAX has higher volatility (2.36%) compared to TCGAX (1.57%). In terms of maximum drawdown, TSGAX dropped -54.36% vs TCGAX's -40.54%.
TCGAX currently has the higher Sharpe Ratio (1.45 vs 1.29), 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.
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