TPIF vs VSGX: Grades, Fees and Holdings Compared

Timothy Plan International ETF

TPIFBNYSE Arca

Vanguard ESG International Stock ETF

VSGXACboe

Overlap

22.4%by weight

Expense ratio

VSGX −0.52pt a year

TPIF0.62%VSGX0.10%

Avg volume · 30D

VSGX 6.9×the volume

TPIF23.9KVSGX166K

5Y return · a year

TPIF +0.6pt

TPIF+8.0%VSGX+7.4%

TPIF vs VSGX Performance

Nov 9, 2021 – Nov 9, 2026

+47.0%TPIF+43.0%VSGX

Expense ratio: TPIF 0.62%; VSGX 0.10%, better
Fund size: TPIF $269M; VSGX $6.7B
1Y total return: TPIF +15.8%; VSGX +16.9%, better
Yield (12M): TPIF 2.65%; VSGX 3.07%, better
Holdings: TPIF 392; VSGX 6691
Avg volume (30D): TPIF 23.9K sh; VSGX 166K sh, better
NAV per share: TPIF $36.87; VSGX $76.60
52W range

ETF.net Grade

Pillar letters and Scores for TPIF, VSGX, with each pillar’s weight
Pillar	TPIF	VSGX
Cost30% weight	F15	A100Higher
Mission25% weight	A100	A100
Risk15% weight	A78Higher	D36
Tradability15% weight	D25	B61Higher
Holdings10% weight	A89Higher	B59
Durability5% weight	C49	A90Higher

Rank among International ESG & Values Index funds

How we build Categories ›

Same Category. TPIF and VSGX are both graded against the same 18 International ESG & Values Index funds, so their Grades compare head to head.

International ESG & Values Index⁠

Category · 18 funds

See all 18 ›

VSGX ranks 1st and TPIF 11th of 18 funds in the International ESG & Values Index Category.

Rank 1AVSGXVanguard ESG International Stock ETFScore 79
Rank 2AESGDiShares ESG Aware MSCI EAFE ETFScore 78
Rank 11BLCTDiShares World ex U.S. Carbon Transition Readiness Aware Active ETFScore 56
Rank 11BTPIFTimothy Plan International ETFScore 56
Rank 13BESGGNorthern Trust STOXX Global ESG Select ETFScore 55

Our read on each fund

ETF.net Research

TPIFBTimothy Plan International ETF

VSGXAVanguard ESG International Stock ETF

In short

TPIF Timothy Plan's international sleeve runs a biblically responsible screen first, then weights whatever survives by volatility instead of size. Conviction is the product here, and the fee reflects it.

VSGX Most ex-US ESG funds stop at big developed-market names. VSGX casts a wider net: large, mid and small caps across developed and emerging markets, minus the industries its index screens out, for 0.10% a year.

Stated mandate

TPIF The Fund aims to match, before fees and expenses, the performance of the Victory International Volatility Weighted BRI Index. It normally invests at least 80% of net assets directly or indirectly in securities included in that index.

VSGX The Fund seeks to track an index of large-, mid-, and small-capitalization stocks from developed and emerging markets outside the United States, subject to environmental, social, and corporate-governance screening.

Why people hold it

TPIF The Biblically Responsible Investing screen is written into the mandate, not bolted on for marketing: it filters the universe before any weighting happens.
The benchmark is volatility weighted, so position sizes key off price swings rather than sheer company size, unlike the cap-weighted default abroad.
Simple plumbing: at least 80% of net assets in the index's securities, aiming to match it before fees, with monthly distributions.

VSGX 0.10% a year, well under half the typical fee in its international ESG peer group. Vanguard's usual move: undercut the room.
Reaches past the usual EAFE box, holding thousands of stocks across developed and emerging markets. EAFE-based rivals like ESGD and DMXF cover developed large and mid caps only.msci.com
The screen is FTSE's rulebook, not Vanguard's opinion: out go fossil fuel reserves, weapons, tobacco, alcohol, gambling, adult entertainment and nuclear power, plus conduct flags.ftserussell.com
What survives the screen stays market-cap weighted, with no factor tilts or manager stock picks. Distributions land quarterly.lseg.com

Worth knowing

TPIF At 0.62% it costs well above the 0.35% median for its international peer group, and broad trackers like VXUS charge a fraction of that.
Thinly traded, so spreads can run wider than on the giant international index funds.
The faith screen removes whole slices of the market, so the basket can look quite different from a plain total-international index.

VSGX Cutting oil, gas, coal, nuclear and weapons names removes whole slices of the market, so results can drift from a plain ex-US index in either direction.ftserussell.com
Emerging markets, small caps and foreign currency all ride along, which can mean wider swings than a developed large-cap-only ex-US fund.
It de-selects rather than rewards: clearing the screen isn't the same as being a sustainability leader, and there's no carbon or Paris-alignment target.lseg.com

Full TPIF profile⁠

Full VSGX profile⁠

TPIF vs VSGX Holdings

How TPIF and VSGX differ

Overlap by weight

22.4%

Shared holdings make up 66.5% of TPIF and 30.0% of VSGX.

Level by level

Holdings253 in both22.4%
Countryby domicile63.6%
Sector11 Sectors67.5%
Asset classStocks100%

Sector

Sector weights in TPIF and VSGX, widest gap first
Sector	Gap	TPIF	VSGX
Technology	VSGX +22.4 points	5.2%	27.6%
Industrials	TPIF +14.3 points	22.6%	8.3%
Utilities	TPIF +8.3 points	8.9%	0.6%
Energy	TPIF +6.3 points	6.3%	0.0%
Financials	VSGX +4.5 points	23.9%	28.4%
Materials	TPIF +3.7 points	9.4%	5.7%
Consumer Discretionary	VSGX +2.4 points	6.2%	8.6%
Communication	VSGX +1.5 points	2.9%	4.4%
Consumer Staples	VSGX +0.9 points	3.7%	4.6%
Health Care	VSGX +0.5 points	8.5%	9.0%
Real Estate	VSGX +0.2 points	2.5%	2.7%

Country, concentration and asset class

Country by domicile

Country weights in TPIF and VSGX, widest gap first
Country	Gap	TPIF	VSGX
Taiwan	VSGX +12.4 points	0.0%	12.4%
China	VSGX +6.7 points	0.1%	6.8%
Canada	TPIF +5.4 points	11.8%	6.4%
South Korea	VSGX +4.6 points	3.4%	8.0%
India	VSGX +3.9 points	0.0%	3.9%
Switzerland	TPIF +3.4 points	8.7%	5.3%
Sweden	TPIF +3.3 points	5.6%	2.3%
South Africa	VSGX +3.1 points	0.0%	3.1%
Other countries (31)	TPIF +18.7 points	70.5%	51.8%

Outside the US: TPIF 95% developed, 5% emerging. VSGX 61% developed, 39% emerging.

Concentration

Weight in the 10 largest Holdings

TPIF5.6%
VSGX18.0%

Securities held

TPIF383
VSGX6,651

Asset class

TPIF: Stocks
VSGX: Stocks

Holdings

Only in TPIF130
In both253
Only in VSGX6,398

Only in TPIF

130 securities, 33.3% of TPIF by weight

Clp Holdings Ltd0.68%
Fortis Inc0.64%
Emera Inc0.63%
Power Assets Holdings Ltd0.53%
Iberdrola SA0.53%
Snam Spa0.52%
Hong Kong China Gas0.48%
Air Liquide L0.48%
Pembina Pipeline Corp0.46%
Tc Energy Corp0.46%
Sgs SA0.45%
Muenchener Rueckver0.42%
Canadian National Railway0.42%
Canadian Pacific Kansas C0.42%
Veolia Environnement0.40%
Ferrovial NV0.38%
E.on SE0.38%
Coles Group Ltd0.38%
Enel Spa0.38%
Endesa SA0.37%
Kerry Group PLC0.37%
Engie0.36%
Totalenergies SE0.36%
Verbund AG0.34%
Ck Hutchison Hlds0.34%
Bouygues0.34%
Alimentation Couche-Tard0.34%
Brookfield Corp0.34%
Basf SE0.34%
Edp Renovaveis SA0.33%
Omv AG0.33%
Tourmaline Oil Corp0.32%
Sse PLC0.32%
Nippon Steel Corp0.31%
Itochu Corp0.31%
Rwe AG0.31%
Upm-Kymmene Oyj0.31%
Alfa Laval Ab0.31%
Aib Group PLC0.30%
Tenaris SA0.30%
Singapore Technologies En0.29%
Eni Spa0.29%
Holcim Ltd0.29%
Suncor Energy Inc0.29%
Wilmar International Ltd.0.28%
Santos Ltd0.28%
Thales SA0.28%
Lifco Ab0.28%
Sika AG0.27%
Canadian Natural Resource0.27%

Only in VSGX

6,398 securities, 70.2% of VSGX by weight

Taiwan Semiconductor Manufacturing Co Ltd5.75%
Samsung Electronics Co Ltd2.74%
ASML Holding NV2.09%
SLCMT11421.11%
Roche Holding AG0.88%
Royal Bank of Canada0.83%
Alibaba Group Holding Ltd0.77%
AstraZeneca PLC0.73%
Nestle SA0.71%
MediaTek Inc0.68%
Sap SE0.62%
Toyota Motor Corp0.58%
Allianz SE0.54%
SoftBank Group Corp0.46%
UBS Group AG0.45%
MSCI EAFE Dec260.44%
Recruit Holdings Co Ltd0.43%
Sony Group Corp0.42%
Delta Electronics Inc0.41%
Mizuho Financial Group Inc0.40%
Unilever PLC0.38%
Novo Nordisk A/S0.36%
Bank of Montreal0.36%
Samsung Electronics-Pref0.35%
Bank of Nova Scotia/The0.34%
China Construction Bank Corp0.33%
Deutsche Telekom AG0.31%
Canadian Imperial Bank of Commerce0.31%
Hon Hai Precision Industry Co Ltd0.29%
Gsk PLC0.29%
MSCI EmgMkt Dec260.28%
HDFC Bank Ltd0.26%
Barclays PLC0.25%
Axa SA0.24%
Industrial & Commercial Bank of China Ltd0.24%
ICICI Bank Ltd0.22%
ASE Technology Holding Co Ltd0.22%
Manulife Financial Corp0.22%
Panasonic Holdings Corp0.20%
L'Oreal SA0.19%
Nordea Bank Abp0.19%
Deutsche Bank AG0.19%
CSL Ltd0.18%
Pdd Holdings Inc0.18%
Macquarie Group Ltd0.18%
Hong Kong Exchanges & Clearing Ltd0.18%
Takeda Pharmaceutical Co Ltd0.18%
Relx PLC0.17%
Bharti Airtel Ltd0.17%
United Microelectronics Corp0.17%

Weight gaps

The 100 widest of 253 Holdings in both funds.

Holding weights in TPIF and VSGX, widest gap first
Holding	Gap	TPIF	VSGX
Sk Hynix Inc	VSGX +2.19 points	0.05%	2.24%
Hydro One Ltd	TPIF +0.57 points	0.60%	0.03%
Mitsubishi Ufj Fin Group	VSGX +0.52 points	0.24%	0.76%
Telstra Corp Ltd	TPIF +0.48 points	0.52%	0.04%
Novartis Ag-Reg	VSGX +0.44 points	0.36%	0.80%
Terna Spa	TPIF +0.45 points	0.49%	0.04%
Sampo PLC	TPIF +0.44 points	0.51%	0.07%
Singapore Airlines Ltd	TPIF +0.44 points	0.46%	0.02%
Great-West Lifeco Inc	TPIF +0.43 points	0.48%	0.05%
Shopify Inc	VSGX +0.42 points	0.13%	0.55%
Swisscom AG	TPIF +0.42 points	0.48%	0.06%
Advantest Corp	VSGX +0.40 points	0.08%	0.48%
Tokyo Electron Ltd	VSGX +0.40 points	0.10%	0.50%
George Weston Ltd	TPIF +0.40 points	0.43%	0.03%
Swiss Life Holding AG	TPIF +0.40 points	0.49%	0.09%
Hannover Rueck SE	TPIF +0.40 points	0.45%	0.05%
Daiwa House Industry Co L	TPIF +0.39 points	0.44%	0.05%
Schindler Holding AG	TPIF +0.39 points	0.43%	0.04%
Banco Santander	VSGX +0.40 points	0.21%	0.61%
Telia Co Ab	TPIF +0.39 points	0.42%	0.03%
Swire Pacific Ltd	TPIF +0.39 points	0.40%	<0.01%
Nn Group NV	TPIF +0.38 points	0.45%	0.07%
Helvetia Baloise Holding	TPIF +0.38 points	0.44%	0.06%
Dnb Bank Asa	TPIF +0.37 points	0.45%	0.08%
Ems-Chemie Holding	TPIF +0.37 points	0.39%	0.02%
Kioxia Holdings Corp	VSGX +0.36 points	0.04%	0.40%
Fairfax Financial Hldgs	TPIF +0.35 points	0.45%	0.10%
Intact Financial Corp.	TPIF +0.35 points	0.44%	0.09%
Talanx AG	TPIF +0.36 points	0.38%	0.02%
Elia Group Sanv	TPIF +0.34 points	0.36%	0.02%
Industrivarden Ab	TPIF +0.34 points	0.34%	<0.01%
Kone Oyj	TPIF +0.33 points	0.39%	0.06%
Amundi SA	TPIF +0.33 points	0.35%	0.02%
Qbe Insurance Group Ltd	TPIF +0.33 points	0.40%	0.07%
Chocoladefabriken Lindt	TPIF +0.32 points	0.35%	0.03%
Henderson Land	TPIF +0.32 points	0.34%	0.02%
Waste Connections Inc	TPIF +0.32 points	0.44%	0.12%
Aena Sme SA	TPIF +0.32 points	0.38%	0.06%
Coloplast As	TPIF +0.31 points	0.34%	0.03%
Secom Co. Ltd.	TPIF +0.31 points	0.36%	0.05%
Aviva PLCAV.L	TPIF +0.31 points	0.39%	0.08%
Skandinaviska Enskilda	TPIF +0.31 points	0.31%	<0.01%
Genmab As	TPIF +0.32 points	0.38%	0.06%
Singapore Exchange Ltd	TPIF +0.31 points	0.35%	0.04%
Koninklijke Philips NV	TPIF +0.31 points	0.37%	0.06%
Eurofins Scientific	TPIF +0.30 points	0.33%	0.03%
Telenor Asa	TPIF +0.30 points	0.33%	0.03%
Next PLCNXT.L	TPIF +0.30 points	0.37%	0.07%
Power Corp of Canada	TPIF +0.30 points	0.40%	0.10%
Central Japan Railway Co	TPIF +0.30 points	0.36%	0.06%
Geberit AG	TPIF +0.30 points	0.36%	0.06%
East Japan Railway Co	TPIF +0.30 points	0.37%	0.07%
Sigma Healthcare Ltd	TPIF +0.29 points	0.32%	0.03%
Restaurant Brands Interna	TPIF +0.30 points	0.37%	0.07%
Swedish Orphan Biovitrum	TPIF +0.30 points	0.32%	0.02%
United Overseas Bank	TPIF +0.30 points	0.41%	0.12%
Poste Italiane Spa	TPIF +0.29 points	0.35%	0.06%
Swiss Re AG	TPIF +0.29 points	0.44%	0.15%
Legal General Group PLCLGEN.L	TPIF +0.29 points	0.35%	0.06%
Kao Corp	TPIF +0.28 points	0.34%	0.06%
Canon Inc.	TPIF +0.29 points	0.36%	0.07%
Singapore Telecommunicati	TPIF +0.29 points	0.36%	0.07%
Seven I Holdings Co Ltd	TPIF +0.28 points	0.36%	0.08%
Banca Mediolanum Spa	TPIF +0.28 points	0.30%	0.02%
Givaudan SA - Reg	TPIF +0.28 points	0.37%	0.09%
Sonova Holding AG Reg	TPIF +0.28 points	0.32%	0.04%
Symrise AG	TPIF +0.28 points	0.32%	0.04%
Bridgestone Corp	TPIF +0.27 points	0.35%	0.08%
Shionogi Co Ltd	TPIF +0.27 points	0.31%	0.04%
Ipsen SA	TPIF +0.27 points	0.29%	0.02%
Assa Abloy Ab	TPIF +0.26 points	0.37%	0.11%
Straumann Holding AG	TPIF +0.26 points	0.30%	0.04%
Alcon Inc	TPIF +0.27 points	0.36%	0.09%
Nippon Paint Holdings Co	TPIF +0.27 points	0.29%	0.02%
Ucb Cap	TPIF +0.27 points	0.35%	0.08%
Pan Pacific International	TPIF +0.26 points	0.29%	0.03%
Kuehne Nagel Intl	TPIF +0.26 points	0.30%	0.04%
Woolworths Group Ltd	TPIF +0.26 points	0.36%	0.10%
Sumitomo Mitsui Fin Group	VSGX +0.26 points	0.22%	0.48%
Swedbank Ab - A Shares	TPIF +0.26 points	0.36%	0.10%
Cie Generale Des Etabliss	TPIF +0.27 points	0.34%	0.07%
Dollarama Inc	TPIF +0.26 points	0.36%	0.10%
Novonesis Novozymes B	TPIF +0.25 points	0.32%	0.07%
National Bank of Canada	TPIF +0.25 points	0.42%	0.17%
Informa PLCINF.L	TPIF +0.26 points	0.30%	0.04%
Svenska Handelsbanken	TPIF +0.26 points	0.32%	0.06%
Danske Bank As	TPIF +0.25 points	0.36%	0.11%
Bayerische Motoren Werke	TPIF +0.25 points	0.31%	0.06%
Merck Kgaa	TPIF +0.25 points	0.31%	0.06%
Fisher Paykel Health	TPIF +0.24 points	0.29%	0.05%
Oriental Land Co Ltd	TPIF +0.25 points	0.31%	0.06%
Keppel Ltd	TPIF +0.24 points	0.28%	0.04%
Haleon PLCHLN.L	TPIF +0.24 points	0.36%	0.12%
Unipol Gruppo Spa	TPIF +0.24 points	0.27%	0.03%
Deutsche Boerse AG	TPIF +0.24 points	0.42%	0.18%
Sun Hung Kai	TPIF +0.24 points	0.29%	0.05%
Bank of Ireland Group PLC	TPIF +0.24 points	0.30%	0.06%
Knorr-Bremse AG	TPIF +0.24 points	0.26%	0.02%
Denso Corporation	TPIF +0.23 points	0.29%	0.06%
Brambles Limited	TPIF +0.23 points	0.28%	0.05%

All TPIF holdings⁠All 6,648 VSGX holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

TPIF vs VSGX Cost

Overpaying TPIF vs VSGX

$10,073

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

TPIF 0.62%
$12,179
VSGX 0.10%
$2,106

Amount$10,000

Years30 years

Cost over time

TPIF 0.62%
VSGX 0.10%
Overpaying

Year by year

Year	TPIF	VSGX	Overpaying
10	$1,111	$183	$928
20	$4,246	$717	$3,529
30	$12,179	$2,106	$10,073

Expense ratio

0.62%TPIF
0.10%VSGX, cheaper

VSGX0.10%TPIF0.62%

0.10%0.95%

Middle half of International ESG & Values Index funds
Median 0.23%

VSGX cheapest of 18 funds

TPIF 16th cheapest of 18 funds

TPIF vs VSGX Dividends

Last 12 months to Nov 9, 2026

Yield (12M): TPIF 2.65%; VSGX 3.07%, better
Payout (12M): TPIF $1.00; VSGX $2.43
Last payment: TPIF $0.07; VSGX $0.47
Ex-dividend: TPIF Oct 8, 2026; VSGX Sep 18, 2026
Paid on: TPIF Oct 9, 2026; VSGX Sep 22, 2026
Frequency: TPIF Monthly; VSGX Quarterly

Distribution history

Per share, 2023 to 2026, same scale for both

TPIFMonthly · 42 paymentsAll TPIF payments⁠

VSGXQuarterly · 15 paymentsAll VSGX payments⁠

TPIF vs VSGX Risk

Fall from peak · 5 years

TPIF
VSGX

Risk facts

VolatilityStd dev, 3 years: TPIF 12.0%, betterVSGX 12.8%
Return per unit of riskSharpe ratio, 3 years: TPIF 1.27, betterVSGX 1.20
Worst fallMax drawdown, 5 years: TPIF −30.4%, betterVSGX −31.2%
Market sensitivityBeta, 5 years: TPIF 0.92VSGX 0.97; Market = 1

TPIF and VSGX in the news

All news⁠

ETF Filings
Calamos to liquidate its Giannis Antetokounmpo sustainable ETF
Sep 11, 2026VSGX

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TPIF vs VSGX

In short

Stated mandate

Why people hold it

Worth knowing

How TPIF and VSGX differ

Level by level

Sector

Country, concentration and asset class

Country by domicile

Concentration

Asset class

Holdings

Only in TPIF

Only in VSGX

Weight gaps

Cost over time

Year by year

Distribution history

Fall from peak · 5 years

Risk facts

Calamos to liquidate its Giannis Antetokounmpo sustainable ETF

How TPIF and VSGX differ

Level by level

Sector

Country, concentration and asset class

Country by domicile

Concentration

Asset class

Holdings

Only in TPIF

Only in VSGX

Weight gaps