Compare · 2 funds side by side · dividends reinvested

TPHD and USOY

TPHDTimothy Plan×USOYDefiance×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$15,819TPHD · best of the two

02 / 04

TPHD and USOY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Timothy Plan High Dividend Stock ETFIncome · Dividend stocks0.52%1.89%+16.0%+18.5%+16.2%+9.6%−7.5%10.9%$394M1.4

Oil Enhanced Options Income ETFIncome · Dividend stocks1.12%54.64%+60.8%+59.4%[…][…]−25.5%39.0%$73M1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: TPHD 2019 · USOY 2024

Head to Head

Swap sides Versus in desk

Head to Head

Timothy Plan High Dividend Stock ETF · $394M$15,819

TPHD

USOY

Oil Enhanced Options Income ETF · $73M[…]

$10,000 five years ago, dividends reinvested

TPHDMeasureUSOY

+16.0%Year to dateJan 1 → Nov 5+60.8%

+18.5%1 yearTotal return+59.4%

+16.2%3 years · per year$10,000 became $15,695 · […][…]

+9.6%5 years · per year$10,000 became $15,819 · […][…]

0.52%Expense ratio$52 · $112 a year on $10k · lower is better1.12%

1.89%Trailing 12-mo yield$189 · $5,464 a year on $10k54.64%

−7.5%Worst dropSmaller is better−25.5%

10.9%VolatilityLower is calmer39.0%

TPHDUSOY Winner of the row, in its colourEach row: the bigger of the two fills its side

3–3Level

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

TPHD vs USOY: Top 5 Holdings

Today

TPHD

8.2%in top 5

USOY

in top 5[…]

TPHDStockUSOY

1.7%WECnot top 5

1.7%DUKnot top 5

1.6%EDnot top 5

1.6%LNTnot top 5

1.6%EVRGnot top 5

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

TPHD vs USOY Returns, Every Period

Timothy PlanTPHD

+18.5%

past year

USOYDefiance

+59.4%

past year

TPHDUSOYFaded: behind in that period

0–2USOY wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

TPHD vs USOY

YTD

Timothy PlanTPHD

+16.0%

USOYDefiance

+60.8%

+16.0%Year to date+60.8%

−7.5%Worst drop · 1Y−25.5%

10.9%Volatility · 1Y39.0%

1.9%Yield54.6%

$394MAssets$72.6M

2–2level

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: TPHD, USOY

Today

0.52%lowest, TPHD

FundExpense ratioFee$10k

TPHD0.52%$52

USOY1.12%$112

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: TPHD, USOY

54.64%highest, USOY

FundTrailing yieldYield$10k

USOY54.64%$5,464

TPHD1.89%$189

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$5,352most kept, USOY

USOY$5,464 − $112 = $5,352

TPHD$189 − $52 = $137

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: TPHD, USOY

Today

[…]holdings […]

TPHDUSOY

TPHD—[…]

USOY[…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+59.4%USOY, at 39.0% volatility

TPHDWorst drop−7.5%10.9% vol

USOYWorst drop−25.5%39.0% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

USOYTPHD

+60.8%Year to date+16.0%

54.6%Yield1.9%

+59.4%Past year+18.5%

1.12%Fee0.52%

3–1USOY wins

End-of-day Nov 5, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026