TPIF vs EFA

ATPIF

BEFA

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$15,497VEA · EFA $15,113

Lowest cost0.03%VEA · $3 on $10k

Most income3.21%EFA · $321 on $10k

Smallest drop−10.2%TPIF · worst fall in 1Y

Held in common39.4%TPIF and EFA

TPIF

EFA

Timothy Plan International ETF · $269MiShares MSCI EAFE ETF · $75.5B

+20.2%3 years · per year$17,374 · $16,727+18.7%

+8.1%5 years · per year$14,774 · $15,113+8.6%

0.62%Expense ratio$62 · $32 on $10k · lower wins0.32%

2.65%12-mo yield$265 · $321 on $10k3.21%

−10.2%Worst dropSmaller wins−11.4%

15.3%VolatilityLower wins16.5%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsTPIF · EFA

0.5%IBE.MC0.7%

0.5%D05.SI0.5%

0.5%AI.PA0.6%

0.5%ZURN.SW0.5%

Held in common39.4%

End-of-day Nov 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
2	BEFA	iShares MSCI EAFE ETFRead Desk	0.32%	3.21%	+3.0%	+11.0%	+15.5%	+18.7%	+8.6%	−11.4%	$75.5B
3	ATPIF	Timothy Plan International ETFRead Desk	0.62%	2.65%	+2.4%	+11.6%	+16.3%	+20.2%	+8.1%	−10.2%	$269M
4	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
2	BEFA	iShares MSCI EAFE ETFRead Desk	0.32%	3.21%	+3.0%	+11.0%	+15.5%	+18.7%	+8.6%	−11.4%	$75.5B
3	ATPIF	Timothy Plan International ETFRead Desk	0.62%	2.65%	+2.4%	+11.6%	+16.3%	+20.2%	+8.1%	−10.2%	$269M
4	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

TPIF vs EFA

TPIF

Timothy Plan International

$14,774

EFA

iShares MSCI EAFE

$15,113

MeasureTPIFEFA

Fee0.62%0.32%

Cost on $10k a year$62$32

Yield2.65%3.21%

5 years, per year+8.1%+8.6%

3 years, per year+20.2%+18.7%

Worst drop · 1Y−10.2%−11.4%

Volatility · 1Y15.3%16.5%

3–3measures won
level

39.4%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+11.1%

IXUSiShares

+11.6%

+11.1%Year to date+11.6%

2.4%Yield3.0%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 9, 2026

VEA vs IEFA

YTD

VanguardVEA

+12.9%

IEFAiShares

+11.1%

+12.9%Year to date+11.1%

2.4%Yield3.4%

$232BAssets$187B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.1%

VIGVanguard

+14.8%

+33.1%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: TPIF, EFA, VXUS, VEA

Today

65.3%most shared, VXUS and VEA

TPIFEFAVXUSVEA

TPIF—39.4%26.6%34.0%

EFA39.4%—45.8%63.2%

VXUS26.6%45.8%—65.3%

VEA34.0%63.2%65.3%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$289most kept, EFA

EFA$321 − $32 = $289

VEA$244 − $3 = $241

VXUS$239 − $5 = $234

TPIF$265 − $62 = $203

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee