AGIQ vs SPY
SoFi Agentic AI ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, AGIQ or SPY?
Large Cap Growth against Large Cap Blend.
SPY has a lower expense ratio. AGIQ led over 1Y and the full window. SPY is less concentrated, with 38.2% of the fund in its ten largest positions against 59.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AGIQ | SPY |
|---|---|---|
| Expense Ratio | 0.69% | 0.09%Best |
| AUM | $12M | $811.2B |
| Dividend Yield | 1.73% | 0.98% |
| Holdings | 27 | 1,515 |
| YTD Return | +20.52%Best | +13.54% |
| 1Y Return | +22.91%Best | +16.25% |
| 3Y Return (annualized) | - | +23.72% |
| 5Y Return (annualized) | - | +13.95% |
| Volatility (annualized) | 24.0% | 12.6%Best |
| Max Drawdown | -19.7% | -8.9%Best |
| $10,000 over 1.1 years | $13,934Best | $12,165 |
| Top 10 Weight | 59.0% | 38.2%Best |
| Fund Family | SoFi | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Sep 2, 2025 | Jan 22, 1993 |
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Sep 3, 2025 to Oct 2, 2026 (1.1 years).
AGIQ vs SPY growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.1 years both funds cover.
AGIQ vs SPY Performance
SoFi Agentic AI ETF (AGIQ) is an ETF from SoFi and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Over the past year AGIQ returned +22.91% while SPY returned +16.25%. Year to date, AGIQ is up 20.52% versus a gain of 13.54% for SPY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
AGIQ has been the more volatile fund, with annualized monthly volatility of 24.0% compared with 12.6% 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 -8.9% for SPY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. 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 1.73% against 0.98% for SPY.
Holdings Overlap
83.6% of AGIQ's money is in holdings SPY also owns. 15.3% of SPY's money is in holdings AGIQ also owns.
Most of AGIQ is already inside SPY. Owning both mostly buys the same companies twice.
16 positions in common, counted across the 26 positions we hold weights for in AGIQ and 504 in SPY, against full books of 27 and 1,515.
What only one of them owns
Our book lists 481 positions for SPY that do not appear in our book for AGIQ (83.9% of the fund), and 9 for AGIQ that do not appear in SPY (13.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in AGIQ | Weight in SPY | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.68% | 7.78% | 1.10% |
| GOOGAlphabet Inc. C | 5.66% | 2.49% | 3.17% |
| TSLATesla Inc | 5.83% | 1.54% | 4.29% |
| PLTRPalantir Technologies Inc | 5.77% | 0.61% | 5.16% |
| TMOThermo Fisherscientific Inc. | 6.02% | 0.35% | 5.67% |
| CRMSalesforce Inc Crm Us Equity | 6.03% | 0.32% | 5.71% |
| DEDeere & Co Sedol 2261203 | 5.93% | 0.26% | 5.67% |
| PANWPalo Alto Networks, Inc | 5.72% | 0.46% | 5.26% |
| CRWDCrowdstrike Holdings Inc | 5.73% | 0.36% | 5.37% |
| ANETArista Networks Inc Common Stock | 5.68% | 0.30% | 5.38% |
83.6% of AGIQ is already inside SPY.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $60 a year on a $10,000 investment.
Which performed better, AGIQ or SPY?
Over the past year AGIQ returned +22.91% vs +16.25% for SPY, so AGIQ leads on 1-year performance. Over the longest common window we track (1 years), AGIQ annualized +35.20% vs +19.50% for SPY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AGIQ or SPY?
AGIQ has been the more volatile fund at 24.0% annualized versus 12.6% for SPY. Worst drawdown: AGIQ -19.7% vs SPY -8.9%.
Should I hold both AGIQ and SPY?
AGIQ and SPY have a monthly-return correlation of 0.77, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between AGIQ and SPY?
83.6% of AGIQ's money is in holdings SPY also owns. 15.3% of SPY's is in holdings AGIQ also owns. They hold 16 positions in common, counted across the 26 positions we hold weights for in AGIQ and 504 in SPY.
Which pays a higher dividend, AGIQ or SPY?
AGIQ yields 1.73% while SPY yields 0.98%, so AGIQ currently pays the higher dividend yield.
Is SPY better than AGIQ?
SPY has a lower expense ratio. AGIQ led over 1Y and the full window. SPY is less concentrated, with 38.2% of the fund in its ten largest positions against 59.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.