ETF Evaluator:
Timothy Plan Fixed Income ETF ()
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(as of Aug 26)
Best Performing in Intermediate Core-Plus Bond Over the Last Year
| 8.9% | Infrastructure Capital Bond Income ETF (BNDS) |
| 5.2% | Monarch Ambassador Income ETF (MAMB) |
| 4.1% | SanJac Alpha Core Plus Bond ETF (SJCP) |
| 4.1% | F/m Opportunistic Income ETF (ZHOG) |
| 3.9% | PIMCO Active Bond ETF (BOND) |
Risk
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Risk
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ETF Details
Timothy Plan Fixed Income ETF Overview
Timothy Plan Fixed Income ETF (TPFI) is an actively managed Taxable Bond Intermediate Core-Plus Bond exchange-traded fund (ETF). Timothy Plan launched the ETF in 2026.
The investment seeks high current income without undue risk to principal.
Under normal circumstances, the fund invests at least 80% of its assets in debt securities and in derivatives and other instruments that have economic characteristics similar to such securities. It is actively managed. The debt securities in which the fund may invest include government obligations; corporate debt securities; repurchase agreements; and other securities believed to have debt-like characteristics. Up to 65% of the fund’s assets may be invested in corporate bonds.
About Timothy Plan Fixed Income ETF (TPFI)
There are 4 members of the management team with an average tenure of 0.24 years: R.Neal Graves (2026), Kurt Daum (2026), Jim Jackson (2026) and Zach Winters (2026). Management tenure is more important for actively managed ETFs than passive index ETFs.
Timothy Plan Fixed Income ETF has 376 securities in its portfolio. The top 10 holdings constitute 33.5% of the ETF’s assets. The ETF meets the SEC requirement of being classified as a diversified fund. The ETF is not considered to have an ESG focus with its investment selection and management.
Timothy Plan Fixed Income ETF is part of the Fixed Income global asset class and is within the Taxable Bond ETF group. Timothy Plan Fixed Income ETF has 4.7% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 0.0% There is 0.0% allocated to foreign stock, and 0.0% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 99.9% (95.2% domestic bond, 4.7% foreign bond and 0.0% convertible bond). Timothy Plan Fixed Income ETF has 0.1% of the portfolio in cash.
Assets Under Management
The fund has $23 million in total assets, which is below the $2 billion average for the Intermediate Core-Plus Bond category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.
TPFI Performance and Fees
The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The Timothy Plan Fixed Income ETF expense ratio is average compared to funds in the Intermediate Core-Plus Bond category. Timothy Plan Fixed Income ETF has an expense ratio of 0.55%, which is 26% higher than its category average, making the fund expense ratio grade a D. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.
High portfolio turnover can translate to higher expenses and lower aftertax returns. Timothy Plan Fixed Income ETF has a portfolio turnover rate of 0%, which indicates that it holds its assets around /years. By way of comparison, the average portfolio turnover is 157% for the Intermediate Core-Plus Bond category.
Recently, in the month of July 2026, Timothy Plan Fixed Income ETF returned -1.2%, which earned it a grade of B, as the Intermediate Core-Plus Bond category had an average return of -1.2%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all ETFs in that category.
Timothy Plan Fixed Income ETF has a trailing yield of 0.00%, which is below the 4.67% category average.
The fund normally distributes its income monthly and its capital gains annually.
It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.
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TPFI Trailing NAV Total Returns Data as of 7/31/26
| Last Month |
Last Quarter |
Ann'l. 1Yr |
Ann'l. 3Yr |
Ann'l. 5Yr |
Ann'l. 10Yr |
|
| TPFI Return (NAV) | -1.2% | na | na | na | na | na |
| TPFI Return (Price) | -1.1% | na | na | na | na | na |
| NAV +/- Price Return | -0.071% | na | na | na | na | na |
| Intermediate Core-Plus Bond Avg | -1.2% | -0.6% | 3.2% | 4.6% | 0.4% | 2.1% |
| TPFI Grade (NAV) | B | na | na | na | na | na |
| +/- Category (NAV) | 0.0% | na | na | na | na | na |
| TPFI Tax-Cost Ratio | na | na | na | na | na | na |
TPFI Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| TPFI Return (NAV) | na | na | na | na | na | na | na | na | na | na | na |
| TPFI Return (Price) | na | na | na | na | na | na | na | na | na | na | na |
| NAV +/- Price Ret | na | na | na | na | na | na | na | na | na | na | na |
| Intermediate Core-Plus Bond Avg | -0.2% | 7.5% | 3.0% | 6.6% | -13.2% | -0.7% | 8.0% | 9.8% | -0.2% | 4.3% | 4.9% |
| TPFI Grade (NAV) | na | na | na | na | na | na | na | na | na | na | na |
| +/- Category | na | na | na | na | na | na | na | na | na | na | na |
| Risk Measures | |
| Beta: | na |
| R-Squared: | na |
| Standard Deviation: | na |
| Category Risk Index: | na |
| Category Risk Rating: | |
| Total Risk Index: | na |
| Total Risk Rating: | |
| Portfolio Characteristics | |
| Yield: | -- |
| Total Assets: | $ 23 Mil |
| Share Class Assets: | $ 23 Mil |
| Turnover: | na |
| Expense Ratio: | 0.55% |
| Index Fund: | No |
| Index Tracked: | N/A |
| Index Weighting: | 100% |
| Leveraged: | No |
| Socially Responsible Fund: | No |
| Capital Gains Distribution Frequency: | Annually |
| Income Distribution Frequency: | Monthly |
Management Team
| Number of Managers: 4 | |||
| Longest Tenure: 0.2 years | |||
| Average Tenure: 0.2 years | |||
| Managers (Year): Graves R.Neal (2026), Daum Kurt (2026), Jackson Jim (2026), Winters Zach (2026) | |||
Portfolio Composition (as of 7/31/26)
| # of Holdings: | 376 |
| % in Top 10 Holdings: | 33.5% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 4.7% |
Portfolio Allocation |
|
| Domestic Stock: | 0.0% |
| Foreign Stock: | 0.0% |
| Preferred Stock: | 0.0% |
| Domestic Bond: | 95.2% |
| Foreign Bond: | 4.7% |
| Convertible Bond: | 0.0% |
| Other: | 0.0% |
| Cash: | 0.1% |
Purchase Information
| Legal Structure: | Open Ended Investment Company |
| Fund Family: | Timothy Plan |
| Phone Number: | 800-846-7526 |
| Website: | www.timothyplan.com |
| Inception Date: | May 5, 2026 |
Expenses and Fees
| Expense Ratio (%): | 0.55% (Rating: Avg) |
| Category Average Expense Ratio (%): | 0.44% |
