Category Review
Municipal bond funds are down for the year after a third-quarter selloff erased the first-half gain
The Timothy Plan - Timothy Plan Fixed Income ETF
$23.87+0.05 (+0.21%)
- 0.55%
- $28M
- 0M sh
- $23.82
- low $23.75high $28.12
The ETF.net TPFI Grade
D
Score 25 out of 100
- 112 of 117
Score 25 of 100 falls in the D band. A is 70 or higher, B 55 to under 70, C 40 to under 55, D 25 to under 40, F under 25.
Cost
The fund’s net expense ratio, ranked against its category.F14 out of 100Rank 97 of 117Mission
Whether the fund did what it promised, tested against its stated mandate.Risk
How the fund held up when markets fell: downside volatility, drawdowns and tail loss.D33 out of 100Rank 97 of 116Tradability
How easy the fund is to trade: daily volume, and how far its price strays from net asset value.D31 out of 100Rank 96 of 117Holdings
How concentrated the fund is, and how complete and current its disclosed holdings are.C47 out of 100Rank 80 of 116Durability
Whether the fund is likely to stay open, judged by its age, its assets and its issuer’s assets.F9 out of 100Rank 116 of 117
Our read on TPFI
DTimothy Plan spent years screening stocks against biblical criteria. In 2026 it pointed that lens at bonds: an income-focused fixed income fund for investors who want their debt sleeve run by the same rulebook as their stocks.
The Fund seeks high current income while limiting undue risk to principal.
Why people hold it
- The bond leg of a biblically screened lineup. Timothy Plan's equity ETFs date back to 2019; this one extends the same values-first approach to debt.timothyplan.com
- Plain mandate: at least 80% of assets in debt securities, aiming for high current income while limiting undue risk to principal.
- Fills the fixed income slot in a family that was all equity until 2026: large cap, small cap, international and high dividend funds.timothyplan.com
Worth knowing
- At 0.55% a year, it costs well above plain index aggregate bond funds such as BND, SPAB and SCHZ at 0.03%. Screening and hands-on management carry a price.
- A 2026 launch, so the track record is short and it trades in a fraction of the volume of the index bond giants, which can widen bid-ask spreads.
- Income lands on an annual or semiannual schedule rather than the monthly cadence many bond funds use.
TPFI Holdings
- Bonds
- 434
- 29%
- Us T-Note 4.125 021536
Geography
- United States100.00%
TPFI Performance
Shows how $10,000 changes over the selected period, with cash distributions reinvested at the closing price on each ex-dividend date.
Not enough history yet.Not enough history yet.Not enough history yet.Not enough history yet.Not enough history yet.
TPFI$9,727
Returns run to the Oct 12, 2026 close, with cash distributions reinvested. Each period starts on the same date that many months or years earlier. Periods over one year show the average yearly return.
| Period | TPFI |
|---|---|
| Year to date | — |
| 1 month | −1.4% |
| 3 months | −2.7% |
| 1 year | — |
| 3 years | — |
| 5 years | — |
| 10 years | — |
Calendar-year total return with cash distributions hypothetically reinvested at the ex-dividend date’s closing price. The current year shows year to date.
| Year | Return bar | TPFI |
|---|---|---|
| 2026 YTD | −3.1% |
TPFI in the news
TPFI Dividends
- $0.09 per share
- Monthly
Distribution data unavailable.
Distribution history
TPFI Risk
- —
How it’s calculated: standard deviation
The sample standard deviation of monthly total returns, multiplied by the square root of 12.
Uses up to 36 complete months, with at least 12 required. Total returns include reinvested distributions.
- —
How it’s calculated: Sharpe ratio
Subtract each month’s Treasury-bill return from the fund’s monthly total return.
Divide the average of those excess returns by their sample standard deviation, then multiply by the square root of 12.
Uses up to 36 complete months, with at least 12 required. Each month uses the Treasury yield quoted at the end of the previous month.
- —
How it’s calculated: maximum drawdown
The largest percentage decline from an earlier peak, using total returns with reinvested distributions.
Uses up to five years through the last close, with at least 12 months required.
- 0.11
How it’s calculated: beta
The beta figure is supplied by FMP. The comparison index depends on the fund’s broad asset class.
TPFI Cost
0.55%
TPFI0.55%
- The middle half of US Aggregate Bond funds
- Median 0.34%
93 of the 113 US Aggregate Bond funds charge less.
Other funds in US Aggregate Bond
- DLVIGLongview Advantage Fixed Income ETFExpense ratio 0.49%1 year return —
- DABXBAbacus Flexible Bond Leaders ETFExpense ratio 0.83%1 year return +0.1%
- FSJCPSanJac Alpha Core Plus Bond ETFExpense ratio 0.65%1 year return +1.8%
- FFFIUUVA Unconstrained Medium-Term Fixed Income ETFExpense ratio 0.82%1 year return −3.6%
- FCRDTSimplify Opportunistic Income ETFExpense ratio 0.99%1 year return −9.0%