AGIQ vs SPY
SoFi Agentic AI ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. AGIQ delivered stronger 1-year returns. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | AGIQ | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.09% | |
| AUM | $12M | $814.4B | |
| Dividend Yield | 1.92% | 1.01% | |
| Holdings | 27 | 505 | |
| YTD Return | +12.35% | +12.60% | |
| 1Y Return | +29.06% | +20.83% | |
| 3Y Return (annualized) | - | +20.98% | |
| 5Y Return (annualized) | - | +12.56% | |
| Volatility (annualized) | 25.6% | 15.3% | |
| Max Drawdown | -19.7% | -56.5% | |
| Fund Family | SoFi | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Sep 2, 2025 | Jan 22, 1993 |
AGIQ vs SPY Performance
SoFi Agentic AI ETF (AGIQ) is a ETF from SoFi and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year AGIQ returned +29.06% while SPY returned +20.83%. Year to date, AGIQ is up 12.35% versus a gain of 12.60% for SPY.
Risk: Volatility and Drawdowns
AGIQ has been the more volatile fund, with annualized monthly volatility of 25.6% compared with 15.3% for SPY. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -19.7% for AGIQ and -56.5% for SPY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
AGIQ charges 0.69% per year while SPY charges 0.09%. On a $10,000 position that is $69 vs $9 annually, a gap of $60 per year that compounds over a long holding period. On income, AGIQ currently yields 1.92% against 1.01% for SPY.
Holdings Overlap
AGIQ and SPY share 16 holdings out of 514 unique holdings combined, representing a 14.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AGIQ or SPY?
AGIQ has an expense ratio of 0.69% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $60 per year of difference.
Which performed better, AGIQ or SPY?
Over the past year AGIQ returned +29.06% vs +20.83% for SPY, so AGIQ leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, AGIQ or SPY?
AGIQ has been the more volatile fund at 25.6% annualized versus 15.3% for SPY. Worst drawdown: AGIQ -19.7% vs SPY -56.5%.
Should I hold both AGIQ and SPY?
AGIQ and SPY have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGIQ and SPY?
AGIQ and SPY share 16 common holdings with a 14.1% weight overlap. Combined, they hold 514 unique securities.
Which pays a higher dividend, AGIQ or SPY?
AGIQ yields 1.92% while SPY yields 1.01%, so AGIQ currently pays the higher dividend yield.
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