Timothy Plan US Large/Mid Cap Core ETF (TPLC) Performance
TPLC total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +11.7% since Dec 31, 2025
- 1 year
- +10.3% total return
- 5 years
- +7.4% a year
- Since first price
- +10.9% a year since 2019
TPLC trailing returns vs SPY, QQQ, AGG
| Period | TPLC total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | +3.0% | +2.9% | −1.0% | −5.0% | +0.9% |
| 3 months | +1.0% | +0.8% | +3.2% | +1.9% | −0.4% |
| 6 months | +3.6% | +3.2% | +7.8% | +8.4% | −1.5% |
| YTD | +11.7% | +11.0% | +12.3% | +15.1% | −1.0% |
| 1 year | +10.3% | +9.3% | +14.4% | +15.9% | −1.1% |
| 3 years | +56.4%+16.1%/yr | +52.2% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +42.9%+7.4%/yr | +36.5% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| Since inceptionMay 1, 2019 | +116.6%+10.9%/yr | +102.2% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: TPLC vs SPY
From May 1, 2019: TPLC grew to $21,656, SPY to $29,057.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
TPLC returns by calendar year
5 of 6 full years positive. Best 2021 (+26.3%), worst 2022 (−12.6%). 2026 is year to date.
TPLC annual returns table
| Year | TPLC | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +11.7% | −7.6% | +12.3% | +15.1% | −1.0% |
| 2025 | +7.1% | −16.3% | +17.7% | +20.8% | +7.2% |
| 2024 | +13.1% | −7.7% | +24.9% | +25.6% | +1.3% |
| 2023 | +15.2% | −11.7% | +26.2% | +54.9% | +5.7% |
| 2022 | −12.6% | −20.9% | −18.2% | −32.6% | −13.0% |
| 2021 | +26.3% | −6.2% | +28.7% | +27.4% | −1.8% |
| 2020 | +14.6% | −38.0% | +18.3% | +48.6% | +7.5% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
TPLC largest drawdowns
Now 2.6% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Feb 19, 2020 | −38.0% | Mar 23, 2020 | Oct 9, 2020 | 33 days | 8 months |
| Dec 29, 2021 | −21.6% | Sep 30, 2022 | Dec 19, 2023 | 9 months | 2.0 years |
| Nov 29, 2024 | −18.2% | Apr 8, 2025 | Jul 25, 2025 | 4 months | 8 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
TPLC risk statistics
| Statistic | 3 years | 5 years | Since 2019 |
|---|---|---|---|
| Annualized return | +13.0% | +7.8% | +11.3% |
| Volatility (annualized) | 13.3% | 16.2% | 17.2% |
| Sharpe ratio | 0.66 | 0.32 | 0.56 |
| Sortino ratio | 1.06 | 0.50 | 0.85 |
| Best month | +8.7% | +9.8% | +12.4% |
| Worst month | −7.4% | −9.0% | −15.6% |
| Best 12 months | +31.4% | +31.4% | +60.2% |
| Worst 12 months | +0.5% | −12.6% | −12.6% |
| Positive months | 61% | 55% | 59% |
| Beta vs S&P 500 | 0.83 | 0.92 | — |
| Correlation with S&P 500 | 0.77 | 0.89 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
TPLC rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 78 | −12.6% | +11.4% | +60.2% | 82% |
| 3-year (a year) | 54 | +4.4% | +10.5% | +19.5% | 100% |
| 5-year (a year) | 30 | +7.4% | +11.6% | +16.5% | 100% |
Every holding period starting at a month-end since 2019. Returns for 3 years and longer are annualized.
TPLC performance overview
Timothy Plan US Large/Mid Cap Core ETF (TPLC) returned +10.3% over the past year and +7.4% a year over five years, with distributions reinvested. Since its first recorded price in 2019 it has returned +10.9% a year, turning $10,000 into about $21,656. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −38.0%, from Feb 19, 2020 to Mar 23, 2020, and it took 7 months to get back to the old high. TPLC finished 5 of its 6 full calendar years with a gain; the best year was 2021 (+26.3%) and the worst 2022 (−12.6%). Volatility has been 17.2% a year.
Related: TPLC chart, TPLC holdings, TPLC dividends, TPLC valuation. See the TPLC overview for the latest quote and fund facts.
TPLC performance FAQ
What is the TPLC return over the past year?
TPLC returned +10.3% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 9.3%.
What is the average annual return of TPLC?
TPLC has returned +7.4% a year over 5 years, +10.9% a year since May 1, 2019 (total return, distributions reinvested).
How much would $10,000 invested in TPLC be worth?
$10,000 invested in TPLC at its first recorded close on May 1, 2019 would be worth about $21,656 on October 23, 2026 with distributions reinvested.
What was the worst year for TPLC?
The worst calendar year was 2022, with a total return of −12.6%. The best was 2021 at +26.3%.
What is the biggest drawdown of TPLC?
The largest peak-to-trough decline was −38.0% between February 19, 2020 and March 23, 2020. It recovered to the old high on October 9, 2020, 7 months after the bottom.
How volatile is TPLC?
Over the past 3 years TPLC had an annualized volatility of 13.3% and a Sharpe ratio of 0.66 (excess return over 1–3 month T-bills per unit of risk).