Fund Evaluator:
Timothy Plan Growth & Income C (TGCIX)
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Best Performing in Moderate Allocation Over the Last Year
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Fund Details
Timothy Plan Growth & Income C Overview
Timothy Plan Growth & Income C (TGCIX) is an actively managed Allocation Moderate Allocation fund. Timothy Plan launched the fund in 2013.
The investment seeks to provide total return through a combination of growth and income and preservation of capital in declining markets. The fund primarily invests in equity securities, including affiliated Exchange Traded Funds ("ETFs"), and in fixed income securities. It will normally hold both equity securities and fixed income securities, with at least 25% of its assets in equity securities and at least 25% of its assets in fixed income securities.
About Timothy Plan Growth & Income C (TGCIX)
There are 7 members of the management team with an average tenure of 4.84 years: Deborah Petruzzelli (2019), Scott McDonald (2019), Matthew Routh (2021), Arthur Ally (2019), Justin Martin (2021), Greg Ally (2025), Brian Mumbert (2025). Management tenure is more important for actively managed funds than passive index funds.
The fund has 3 primary benchmarks: S&P 500 (TR) (1970) index with a weighting of 100%, Russell 1000 Value TR USD index with a weighting of 60% and Bloomberg US Agg Bond TR USD index with a weighting of 40%. Timothy Plan Growth & Income C has 104 securities in its portfolio. The top 10 holdings constitute 70.2% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.
Timothy Plan Growth & Income C is part of the Allocation global asset class and is within the Allocation fund group. Timothy Plan Growth & Income C has 4.1% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 54.8%. There is 0.6% allocated to foreign stock, and 0.0% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 42.1% (38.7% domestic bond, 3.4% foreign bond and 0.0% convertible bond). Timothy Plan Growth & Income C has 2.5% of the portfolio in cash.
Assets Under Management
The fund has $947 million in total assets, which is below the $2 billion average for the Moderate Allocation 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.
TGCIX 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 Growth & Income C expense ratio is high compared to funds in the Moderate Allocation category. Timothy Plan Growth & Income C has an expense ratio of 2.59%, which is 161% higher than its category average, making the fund expense ratio grade a F. 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 Growth & Income C has a portfolio turnover rate of 67%, indicating that holds its assets around 0.0 years. By way of comparison, the average portfolio turnover is 52% for the Moderate Allocation category.
Recently, in the month of July 2026, Timothy Plan Growth & Income C returned 0.4%, which earned it a grade of B, as the Moderate Allocation category had an average return of -0.3%. 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 funds in that category.
Timothy Plan Growth & Income C has a trailing yield of 0.98%, which is below the 1.97% category average. The fund normally distributes its income annually 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.
Timothy Plan Growth & Income C Grades
Year to date, the fund has returned 5.5%, 0.9 percentage points worse than the category, which translates into a grade of D. The fund has returned 6.8% over the past year (grade of F), 4.7% over the past three years (grade of F) and 1.3% per year over the past five years (grade of F) and 2.1% per year over the past 10 years (grade of F).
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TGCIX 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 |
|
| TGCIX Return (NAV) | 0.4% | 0.0% | 6.8% | 4.7% | 1.3% | 2.1% |
| TGCIX Grade | B | F | F | F | F | F |
| +/- Category | 0.6% | -2.1% | -6.3% | -7.3% | -5.3% | -6.4% |
| Moderate Allocation Avg | -0.3% | 2.1% | 13.1% | 12.0% | 6.6% | 8.5% |
| TGCIX Tax Cost Ratio | na | na | 0.4% | 0.5% | 0.7% | 0.5% |
TGCIX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| TGCIX Return (NAV) | 5.5% | 5.3% | 3.0% | 0.6% | -10.8% | 14.7% | 0.4% | 13.0% | -12.7% | 5.6% | 1.3% |
| TGCIX Grade | D | F | F | F | B | C | F | F | F | F | F |
| +/- Category | -0.9% | -8.1% | -9.2% | -13.7% | 3.1% | 0.4% | -12.5% | -6.8% | -7.6% | -8.2% | -6.4% |
| Moderate Allocation Avg | 6.4% | 13.4% | 12.2% | 14.3% | -14.0% | 14.4% | 12.9% | 19.8% | -5.1% | 13.8% | 7.7% |
| Risk Measures | |
| Standard Deviation: | 7.9% |
| Total Risk Index: | 0.64 - Below Average |
| Category Risk Index: | 0.86 - Low |
| Category Risk Grade: | A (7% Rank) |
| Beta: | 0.67 |
| R-Squared: | 63% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Mid-Cap Value |
| Bond Investment Style: | na |
| Yield: | 1.0% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | Annually |
| Total Assets: | $19 Mil |
| Fund Total Assets: | $ 1 Mil |
| Share Class Type: | C |
| Portfolio Turnover: | 67% |
Management Team
| Number of Managers: 7 | |||
| Longest Tenure: 7.3 years | |||
| Average Tenure: 4.8 years | |||
| Managers (Year): Ally Arthur (2019), Petruzzelli Deborah (2019), McDonald Scott (2019), Routh Matthew (2021), Martin Justin (2021), Ally Greg (2025), Mumbert Brian (2025) | |||
Portfolio Composition (as of 3/31/26)
| # of Holdings: | 104 |
| % in Top 10 Holdings: | 70.2% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 4.1% |
Portfolio Allocation |
|
| Domestic Stock: | 54.8% |
| Foreign Stock: | 0.6% |
| Preferred Stock: | 0.0% |
| Domestic Bond: | 38.7% |
| Foreign Bond: | 3.4% |
| Convertible Bond: | 0.0% |
| Other: | 0.0% |
| Cash: | 2.5% |
Purchase Information
| Fund Family: | Timothy Plan |
| Phone Number: | 800-846-7526 |
| Website: | www.timothyplan.com |
| Status: | Open |
| Inception Date: | October 1, 2013 |
| Min. Initial Purchase: | $1,000 |
| Min. Initial IRA Purchase: | $ 0 |
| True No-Load: | No |
| Front Load Maximum: | 0.00% |
| Deferred Charge Maximum: | 1.00% |
| Redemption Charge Maximum: | 0.00% |
| 12b-1 Fee: | 1.00% |
Expenses and Fees | |
| Expense Ratio (%): | 2.59% ( Rating : High ) |
| Category Average Expense Ratio (%): | 0.99% |
| Share Class: | Timothy Plan Growth & Income I |
| Min. Subsequent Purchase: | $ 0 |
| Min. Subsequent IRA Purchase: | $ 0 |
