Fund Evaluator:
Timothy Plan International I (TPIIX)
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Best Performing in Foreign Large Blend Over the Last Year
| 35.2% | AB International Strat Eqs Z (STEZX) |
| 32.9% | NYLI WMC International Research Eq Cl I (MYIIX) |
| 31.4% | Nationwide Bailard Intl Eqs M (NWHLX) |
| 31.2% | Goldman Sachs Intl Eq Insghts Inv (GCITX) |
| 31.2% | Vanguard International Core Stock Adm (VZICX) |
Fund Details
Timothy Plan International I Overview
Timothy Plan International I (TPIIX) is an actively managed International Equity Foreign Large Blend fund. Timothy Plan launched the fund in 2013.
The investment seeks long-term growth of capital. The fund normally invests at least 80% of its total assets in the securities of foreign companies (companies domiciled in countries other than the United States), without regard to market capitalizations. It invests using a growth investing style. Growth funds generally focus on stocks of companies believed to have above-average potential for growth in revenue, earnings, cash flow, or other similar criteria. These stocks typically have low dividend yields and above-average prices in relation to such measures as earnings and book value.
About Timothy Plan International I (TPIIX)
There are 4 members of the management team with an average tenure of 19.26 years: Steven Russo (2007), John Gualy (2007), Brian Quattrucci (2007), Edward Allen (2007). Management tenure is more important for actively managed funds than passive index funds.
The fund has 1 primary benchmark: MSCI ACWI Ex USA NR USD index with a weighting of 100%. Timothy Plan International I has 50 securities in its portfolio. The top 10 holdings constitute 31.9% 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 International I is part of the Equity global asset class and is within the International Equity fund group. Timothy Plan International I has 91.0% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 6.1%. There is 91.0% allocated to foreign stock, and 0.0% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 0.0% (0.0% domestic bond, 0.0% foreign bond and 0.0% convertible bond). Timothy Plan International I has 2.9% of the portfolio in cash.
Assets Under Management
The fund has $156 million in total assets, which is below the $2 billion average for the Foreign Large Blend 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.
TPIIX 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 International I expense ratio is high compared to funds in the Foreign Large Blend category. Timothy Plan International I has an expense ratio of 1.38%, which is 47% 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 International I has a portfolio turnover rate of 16%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 62% for the Foreign Large Blend category.
Recently, in the month of July 2026, Timothy Plan International I returned -1.1%, which earned it a grade of F, as the Foreign Large Blend category had an average return of 0.7%. 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 International I has a trailing yield of 1.04%, which is below the 2.17% category average. The fund normally distributes its income 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 International I Grades
Year to date, the fund has returned 12.1%, 0.5 percentage points better than the category, which translates into a grade of C. The fund has returned 25.2% over the past year (grade of C), 16.0% over the past three years (grade of C) and 7.9% per year over the past five years (grade of D) and 9.2% per year over the past 10 years (grade of C).
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TPIIX 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 |
|
| TPIIX Return (NAV) | -1.1% | 4.2% | 25.2% | 16.0% | 7.9% | 9.2% |
| TPIIX Grade | F | C | C | C | D | C |
| +/- Category | -1.8% | -0.2% | 1.0% | 0.2% | -0.5% | 0.1% |
| Foreign Large Blend Avg | 0.7% | 4.4% | 24.2% | 15.9% | 8.4% | 9.1% |
| TPIIX Tax Cost Ratio | na | na | 0.8% | 0.6% | 0.5% | 0.5% |
TPIIX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| TPIIX Return (NAV) | 12.1% | 28.6% | 6.7% | 14.9% | -17.5% | 8.4% | 21.9% | 22.9% | -18.6% | 23.9% | -1.2% |
| TPIIX Grade | C | D | B | D | D | D | A | C | F | F | D |
| +/- Category | 0.5% | -1.9% | 1.8% | -1.3% | -1.1% | -1.8% | 10.1% | -0.1% | -3.4% | -2.5% | -2.2% |
| Foreign Large Blend Avg | 11.6% | 30.5% | 4.9% | 16.2% | -16.4% | 10.2% | 11.8% | 22.9% | -15.2% | 26.4% | 1.0% |
| Risk Measures | |
| Standard Deviation: | 12.9% |
| Total Risk Index: | 1.05 - Above Average |
| Category Risk Index: | 1.00 - Above Average |
| Category Risk Grade: | D (60% Rank) |
| Beta: | 0.88 |
| R-Squared: | 89% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Growth |
| Bond Investment Style: | na |
| Yield: | 1.0% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | |
| Total Assets: | $236 Mil |
| Fund Total Assets: | $ 156 Mil |
| Share Class Type: | Inst |
| Portfolio Turnover: | 16% |
Management Team
| Number of Managers: 4 | |||
| Longest Tenure: 19.3 years | |||
| Average Tenure: 19.3 years | |||
| Managers (Year): Russo Steven (2007), Gualy John (2007), Quattrucci Brian (2007), Allen Edward (2007) | |||
Portfolio Composition (as of 3/31/26)
| # of Holdings: | 50 |
| % in Top 10 Holdings: | 31.9% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 91.0% |
Portfolio Allocation |
|
| Domestic Stock: | 6.1% |
| Foreign Stock: | 91.0% |
| Preferred Stock: | 0.0% |
| Domestic Bond: | 0.0% |
| Foreign Bond: | 0.0% |
| Convertible Bond: | 0.0% |
| Other: | 0.0% |
| Cash: | 2.9% |
Purchase Information
| Fund Family: | Timothy Plan |
| Phone Number: | 800-846-7526 |
| Website: | www.timothyplan.com |
| Status: | Open |
| Inception Date: | August 1, 2013 |
| Min. Initial Purchase: | $100,000 |
| Min. Initial IRA Purchase: | $ 0 |
| True No-Load: | Yes |
| Front Load Maximum: | 0.00% |
| Deferred Charge Maximum: | 0.00% |
| Redemption Charge Maximum: | 0.00% |
| 12b-1 Fee: | na |
Expenses and Fees | |
| Expense Ratio (%): | 1.38% ( Rating : High ) |
| Category Average Expense Ratio (%): | 0.94% |
| Share Class: | Timothy Plan International A |
| Min. Subsequent Purchase: | $25,000 |
| Min. Subsequent IRA Purchase: | $ 0 |
