BSJY vs SPY

BSJY vs SPY

Which is better, BSJY or SPY?

Target Date against Large Cap Blend.

SPY has a lower expense ratio. BSJY is less concentrated, with 9.1% of the fund in its ten largest positions against 38.0%.

Lower Fees: SPYLess Concentrated: BSJY

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

MetricBSJYSPY
Expense Ratio0.42%0.09%Best
AUM$5M$804.7B
Dividend Yield1.29%0.98%
Holdings298505
YTD Return-0.23%+11.52%Best
1Y Return-+17.48%
3Y Return (annualized)-+20.62%
5Y Return (annualized)-+12.73%
Top 10 Weight9.1%Best38.0%
Fund FamilyInvesco (US)State Street Investment Management
CategoryAllocation/BalancedEquity
StyleTarget DateLarge Cap Blend
InceptionJun 10, 2026Jan 22, 1993

Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.

BSJY 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.

BSJY vs SPY Performance

Invesco BulletShares 2034 High Yield Corporate Bond ETF (BSJY) is an ETF from Invesco (US) and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Year to date, BSJY is down 0.23% versus a gain of 11.52% for SPY.

Past performance does not guarantee future results.

Fees and Cost Over Time

BSJY charges 0.42% per year while SPY charges 0.09%. On a $10,000 position that is $42 vs $9 annually, a gap of $33 per year that compounds over a long holding period. On income, BSJY currently yields 1.29% against 0.98% for SPY.

Holdings Overlap

We hold position weights for 286 holdings in BSJY and 504 in SPY, totalling 96.4% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.

0 positions in common, counted across the 286 positions we hold weights for in BSJY and 504 in SPY, against full books of 298 and 505.

What only one of them owns

Measured across the 286 and 504 positions we hold weights for.

SPY holds 494 positions BSJY does not, 99.5% of the fund.

Largest: NVDA 7.71%, AAPL 6.83%, MSFT 5.50%, AMZN 4.08%, GOOGL 3.33%

You are not choosing between two funds in isolation.

Whichever of BSJY and SPY you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

BSJYSPY

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, BSJY or SPY?

BSJY has an expense ratio of 0.42% while SPY charges 0.09%. SPY is the cheaper option, by $33 a year on a $10,000 investment.

Which pays a higher dividend, BSJY or SPY?

BSJY yields 1.29% while SPY yields 0.98%, so BSJY currently pays the higher dividend yield.

Is SPY better than BSJY?

SPY has a lower expense ratio. BSJY is less concentrated, with 9.1% of the fund in its ten largest positions against 38.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.