Compare · 3 funds side by side · dividends reinvested

TPIF, SCHF and IEMG

TPIFTimothy Plan×SCHFSchwab×IEMGiShares×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,397SCHF · best of the three

02 / 04

TPIF, SCHF and IEMG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab International Equity ETFInternational · Ex-US broad0.03%3.19%+10.4%+15.3%+20.3%+9.0%−11.5%18.2%$67.8B1.3

Timothy Plan International ETFInternational · Ex-US broad0.62%2.74%+9.0%+13.2%+20.1%+7.8%−10.2%15.1%$270M1.9

iShares Core MSCI Emerging Markets ETFInternational · Emerging0.09%2.49%+8.3%+8.8%+19.3%+6.0%−17.8%25.5%$139B2.9

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: TPIF 2019 · SCHF 2009 · IEMG 2012

Head to Head

Swap sides Versus in desk

Head to Head

Timothy Plan International ETF · $270M$14,546

TPIF

SCHF

Schwab International Equity ETF · $67.8B$15,397

$10,000 five years ago, dividends reinvested · they hold 38.9% in common

TPIFMeasureSCHF

+9.0%Year to dateJan 1 → Nov 6+10.4%

+13.2%1 yearTotal return+15.3%

+20.1%3 years · per year$10,000 became $17,307 · $17,419+20.3%

+7.8%5 years · per year$10,000 became $14,546 · $15,397+9.0%

0.62%Expense ratio$62 · $3 a year on $10k · lower is better0.03%

2.74%Trailing 12-mo yield$274 · $319 a year on $10k3.19%

−10.2%Worst dropSmaller is better−11.5%

15.1%VolatilityLower is calmer18.2%

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

2–6SCHF wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

TPIF vs SCHF: Top 5 Holdings

Today

TPIF

3.0%in top 5

SCHF

in top 58.4%

TPIFStockSCHF

not top 5005930.K2.4%

not top 5ASML.AS1.9%

not top 5000660.K1.9%

not top 5ROP.SW1.2%

not top 5NOVN.SW1.1%

0.7%0002.HKnot top 5

0.6%FTS.TOnot top 5

0.6%EMA.TOnot top 5

0.6%H.TOnot top 5

0.5%SRG.MInot top 5

Held in common38.9%

End-of-day Nov 6, 2026 · share of each fund

TPIF vs SCHF Returns, Every Period

Timothy PlanTPIF

+7.8%

5 years, per year

SCHFSchwab

+9.0%

5 years, per year

TPIFSCHFFaded: behind in that period

0–4SCHF wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

TPIF vs SCHF

YTD

Timothy PlanTPIF

+9.0%

SCHFSchwab

+10.4%

+9.0%Year to date+10.4%

−10.2%Worst drop · 1Y−11.5%

15.1%Volatility · 1Y18.2%

2.7%Yield3.2%

$270MAssets$67.8B

2–2level

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: TPIF, SCHF, IEMG

Today

0.03%lowest, SCHF

FundExpense ratioFee$10k

SCHF0.03%$3

IEMG0.09%$9

TPIF0.62%$62

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: TPIF, SCHF, IEMG

3.19%highest, SCHF

FundTrailing yieldYield$10k

SCHF3.19%$319

TPIF2.74%$274

IEMG2.49%$249

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$316most kept, SCHF

SCHF$319 − $3 = $316

IEMG$249 − $9 = $240

TPIF$274 − $62 = $212

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: TPIF, SCHF, IEMG

Today

38.9%most shared, TPIF and SCHF

TPIFSCHFIEMG

TPIF—38.9%3.0%

SCHF38.9%—8.2%

IEMG3.0%8.2%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+15.3%SCHF, at 18.2% volatility

TPIFWorst drop−10.2%15.1% vol

SCHFWorst drop−11.5%18.2% vol

IEMGWorst drop−17.8%25.5% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

SCHFTPIF

+10.4%Year to date+9.0%

3.2%Yield2.7%

+15.3%Past year+13.2%

0.03%Fee0.62%

4–0SCHF wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

VWO vs IEMG

YTD

VanguardVWO

+3.2%

IEMGiShares

+8.3%

+3.2%Year to date+8.3%

2.2%Yield2.5%

$125BAssets$139B

2–0IEMG wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026