APRT vs SPY
AllianzIM US Equity Buffer10 Apr ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | APRT | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.09% | |
| AUM | $46M | $789.1B | |
| Dividend Yield | 0.00% | 1.01% | |
| Holdings | 5 | 505 | |
| YTD Return | +7.59% | +13.79% | |
| 1Y Return | +7.79% | +23.66% | |
| 3Y Return (annualized) | +15.04% | +21.40% | |
| 5Y Return (annualized) | +9.79% | +13.37% | |
| Volatility (annualized) | 9.7% | 15.3% | |
| Max Drawdown | -15.0% | -56.5% | |
| Fund Family | AllianzIM | State Street Investment Management | |
| Category | Alternative | Equity | |
| Inception | May 28, 2020 | Jan 22, 1993 |
APRT vs SPY Performance
AllianzIM US Equity Buffer10 Apr ETF (APRT) is a ETF from AllianzIM and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year APRT returned +7.79% while SPY returned +23.66%. Year to date, APRT is up 7.59% versus a gain of 13.79% for SPY.
Over three years, APRT compounded at +15.04% per year against +21.40% for SPY; over five years the annualized figures are +9.79% and +13.37% respectively. Across the full 6-year window we track, APRT has the edge at +10.37% annualized vs +8.85%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.7% for APRT. 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 -15.0% for APRT 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
APRT charges 0.74% per year while SPY charges 0.09%. On a $10,000 position that is $74 vs $9 annually, a gap of $65 per year that compounds over a long holding period. On income, APRT currently yields 0.00% against 1.01% for SPY.
Frequently Asked Questions
Which is cheaper, APRT or SPY?
APRT has an expense ratio of 0.74% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $65 per year of difference.
Which performed better, APRT or SPY?
Over the past year APRT returned +7.79% vs +23.66% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (6 years), APRT annualized +10.37% vs +8.85% for SPY. Past performance does not guarantee future results.
Which is riskier, APRT or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 9.7% for APRT. Worst drawdown: APRT -15.0% vs SPY -56.5%.
Should I hold both APRT and SPY?
APRT and SPY have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, APRT or SPY?
APRT yields 0.00% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
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