CRTC vs SPY
Xtrackers US National Critical Technologies 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 505 holdings.
Side-by-Side Comparison
| Metric | CRTC | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.09% | |
| AUM | $147M | $821.1B | |
| Dividend Yield | 0.90% | 1.01% | |
| Holdings | 220 | 505 | |
| YTD Return | +11.67% | +12.68% | |
| 1Y Return | +18.96% | +21.82% | |
| 3Y Return (annualized) | - | +21.98% | |
| 5Y Return (annualized) | - | +12.89% | |
| Volatility (annualized) | 12.0% | 15.3% | |
| Max Drawdown | -19.1% | -56.5% | |
| Fund Family | Xtrackers ETFs | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Nov 16, 2023 | Jan 22, 1993 |
CRTC vs SPY Performance
Xtrackers US National Critical Technologies ETF (CRTC) is a ETF from Xtrackers ETFs and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year CRTC returned +18.96% while SPY returned +21.82%. Year to date, CRTC is up 11.67% versus a gain of 12.68% for SPY.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.0% for CRTC. 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 -19.1% for CRTC 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CRTC charges 0.35% per year while SPY charges 0.09%. On a $10,000 position that is $35 vs $9 annually, a gap of $26 per year that compounds over a long holding period. On income, CRTC currently yields 0.90% against 1.01% for SPY.
Holdings Overlap
CRTC and SPY share 125 holdings out of 596 unique holdings combined, representing a 38.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRTC or SPY?
CRTC has an expense ratio of 0.35% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, CRTC or SPY?
Over the past year CRTC returned +18.96% vs +21.82% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (3 years), CRTC annualized +20.61% vs +8.81% for SPY. Past performance does not guarantee future results.
Which is riskier, CRTC or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 12.0% for CRTC. Worst drawdown: CRTC -19.1% vs SPY -56.5%.
Should I hold both CRTC and SPY?
CRTC and SPY have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between CRTC and SPY?
CRTC and SPY share 125 common holdings with a 38.8% weight overlap. Combined, they hold 596 unique securities.
Which pays a higher dividend, CRTC or SPY?
CRTC yields 0.90% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
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