Timothy Plan International ETF

Timothy Plan International ETF (TPIF) tracks the Victory International Volatility Weighted BRI Index. The index holds large stocks from developed countries outside the US, gives bigger weights to steadier stocks rather than bigger companies, and screens out businesses that conflict with traditional Judeo-Christian values. The faith-based screen is its main difference from similar funds. Cost is its main drawback: 0.62% a year, against a 0.12% average for comparable funds.

• Over the year to Oct 27, 2026, TPIF returned +12.5%, 9th of 9 among similar funds.
• Its 5-year annualized return was +8.0%.
• In the 2020 COVID crash it fell 33% and regained its old high 7.6 months after the low.
• Its worst full calendar year was 2022 (-18.0%); its best was 2025 (+34.3%).
• The deepest fall in its price history was 34% (Jan 17, 2020 to Mar 23, 2020), recovered by Nov 11, 2020.

As of Jun 30, 2026, the fund held 380 securities; the ten largest made up 5.88% of assets.

• Over the three months to Jun 30, 2026, investors added a net $14.9M (creations minus redemptions, per the N-PORT report).
• Monthly total returns reported for that quarter: +6.63%, +1.82%, -1.93%.

The index starts with the Nasdaq Victory International Volatility Weighted Index. That index holds the 500 largest publicly traded companies in developed countries outside the US that had positive earnings over the past twelve months. Most indexes give the biggest companies the largest weights. This one weights by volatility instead, meaning how sharply a stock's price swings: steadier stocks get larger weights. No country can exceed 20% and no sector can exceed 25%. The index is rebuilt every April and October.

Timothy Plan, the adviser, gives the index provider a list of companies to remove. These are businesses involved in alcohol, tobacco, gambling, abortion or pornography, or that promote what the prospectus calls "anti-family entertainment or unbiblical lifestyles." The adviser can exclude other companies too. If a holding is later found to break the rules, it is sold at the next rebalancing, so the fund may hold it for a short time.

The fund doesn't have to own every stock in the index. It uses "sampling": a statistical process picks a representative set of stocks. As of June 30, 2026, it held 380 stocks, and the top ten made up just 5.88% of assets. The largest were CLP Holdings (0.71%), Great-West Lifeco, Fortis and Hydro One. Japan made up 19.7% of assets and Canada 12.4%. The fund is passive and never moves to cash when markets fall.

• TPIF charges 0.62% a year, versus an average of 0.12% for the similar funds below (9th of 9, cheapest first).
• Using the prospectus's standard example, $10,000 invested would cost about $63 in the first year and $774 over 10 years (assuming a 5% annual return).

It adds a broad spread of developed-market stocks outside the US to a portfolio, with faith-based screens, but its higher cost makes it a less obvious core holding.

TPIF could add exposure to about 380 non-US stocks. Its focus on steadier stocks did not protect it from large losses. It fell 33% in the 2020 COVID crash and took about 7.6 months to recover. In the 2022 bear market it fell about 30% and did not recover until May 15, 2024, 19.1 months later. Its worst calendar year was 2022, down 17.8%. The fund launched in December 2019, so it has no record from 2008. An investor drawing from it in a year like 2022 would have sold shares well below their peak. The yield was 2.71% as of October 27, 2026, paid quarterly. Under the SEC's standard example, costs on $10,000 come to about $63 in the first year and $774 over ten years. Past results don't predict future ones, and a plan needs to look at the whole portfolio, not one fund.

Matched by holdings overlap from the latest N-PORT reports.