DRMY vs SPY
XFunds Memory Income ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | DRMY | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.09% | |
| AUM | $5M | $821.1B | |
| Dividend Yield | 0.00% | 1.01% | |
| Holdings | 10 | 505 | |
| YTD Return | +7.65% | +12.22% | |
| 1Y Return | - | +20.83% | |
| 3Y Return (annualized) | - | +21.70% | |
| 5Y Return (annualized) | - | +12.98% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -23.3% | -56.5% | |
| Fund Family | XFunds | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Jul 16, 2026 | Jan 22, 1993 |
DRMY vs SPY Performance
XFunds Memory Income ETF (DRMY) is a ETF from XFunds and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Year to date, DRMY is up 7.65% versus a gain of 12.22% for SPY.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -23.3% for DRMY and -56.5% for SPY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
DRMY charges 1.01% per year while SPY charges 0.09%. On a $10,000 position that is $101 vs $9 annually, a gap of $92 per year that compounds over a long holding period. On income, DRMY currently yields 0.00% against 1.01% for SPY.
Holdings Overlap
DRMY and SPY share 4 holdings out of 510 unique holdings combined, representing a 1.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DRMY or SPY?
DRMY has an expense ratio of 1.01% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $92 per year of difference.
What is the holdings overlap between DRMY and SPY?
DRMY and SPY share 4 common holdings with a 1.3% weight overlap. Combined, they hold 510 unique securities.
Which pays a higher dividend, DRMY or SPY?
DRMY yields 0.00% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
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