FINA vs SPY
Fidelity MSCI North American Subset Index ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
FINA has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | FINA | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.09% | |
| AUM | $1.2B | $821.1B | |
| Dividend Yield | 0.00% | 1.01% | |
| Holdings | 275 | 505 | |
| YTD Return | +1.81% | +12.22% | |
| 1Y Return | - | +20.83% | |
| 3Y Return (annualized) | - | +21.70% | |
| 5Y Return (annualized) | - | +12.98% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -3.1% | -56.5% | |
| Fund Family | Fidelity Investments (US) | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Jul 7, 2026 | Jan 22, 1993 |
FINA vs SPY Performance
Fidelity MSCI North American Subset Index ETF (FINA) is a ETF from Fidelity Investments (US) and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Year to date, FINA is up 1.81% versus a gain of 12.22% for SPY.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -3.1% for FINA 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
FINA charges 0.09% per year while SPY charges 0.09%. On a $10,000 position that is $9 vs $9 annually, a gap of $0 per year that compounds over a long holding period. On income, FINA currently yields 0.00% against 1.01% for SPY.
Holdings Overlap
FINA and SPY share 235 holdings out of 544 unique holdings combined, representing a 83.3% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, FINA or SPY?
FINA has an expense ratio of 0.09% while SPY charges 0.09%. FINA is the cheaper option. On a $10,000 investment, that is $0 per year of difference.
What is the holdings overlap between FINA and SPY?
FINA and SPY share 235 common holdings with a 83.3% weight overlap. Combined, they hold 544 unique securities.
Which pays a higher dividend, FINA or SPY?
FINA yields 0.00% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
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