FINA vs SPY
Fidelity MSCI North American Subset Index ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, FINA or SPY?
FINA and SPY are close on what we can measure.
FINA is less concentrated, with 35.1% of the fund in its ten largest positions against 38.0%.
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
| Metric | FINA | SPY |
|---|---|---|
| Expense Ratio | 0.09%Tie | 0.09%Tie |
| AUM | $1.2B | $804.7B |
| Dividend Yield | 0.00% | 0.98% |
| Holdings | 278 | 505 |
| YTD Return | +1.71% | +12.19%Best |
| 1Y Return | - | +18.53% |
| 3Y Return (annualized) | - | +20.88% |
| 5Y Return (annualized) | - | +12.69% |
| Top 10 Weight | 35.1%Best | 38.0% |
| Fund Family | Fidelity Investments (US) | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 7, 2026 | Jan 22, 1993 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
FINA 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.
FINA vs SPY Performance
Fidelity MSCI North American Subset Index ETF (FINA) is an ETF from Fidelity Investments (US) and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Year to date, FINA is up 1.71% versus a gain of 12.19% for SPY.
Past performance does not guarantee future results.
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. On income, FINA currently yields 0.00% against 0.98% for SPY.
Holdings Overlap
92.5% of FINA's money is in holdings SPY also owns. 86.3% of SPY's money is in holdings FINA also owns.
Most of FINA is already inside SPY. Owning both mostly buys the same companies twice.
232 positions in common, counted across the 270 positions we hold weights for in FINA and 504 in SPY, against full books of 278 and 505.
What only one of them owns
Our book lists 264 positions for SPY that do not appear in our book for FINA (13.3% of the fund), and 9 for FINA that do not appear in SPY (1.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in FINA | Weight in SPY | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.31% | 7.71% | 0.40% |
| AAPLApple, Inc | 6.67% | 6.83% | 0.16% |
| MSFTMicrosoft Corp | 5.16% | 5.50% | 0.34% |
| AMZNAmazon.Com Inc | 3.60% | 4.08% | 0.48% |
| GOOGLAlphabet Inc,class A | 3.14% | 3.33% | 0.19% |
| AVGOBroadcom Inc | 2.39% | 2.97% | 0.58% |
| GOOGAlphabet Inc. C | 1.91% | 2.67% | 0.76% |
| METAMeta Platform Inc | 1.82% | 1.94% | 0.12% |
| MUMicron Technology, Inc. | 1.58% | 1.51% | 0.07% |
| TSLATesla Motors Inc | 1.49% | 1.38% | 0.11% |
92.5% of FINA is already inside SPY.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FINA or SPY?
FINA has an expense ratio of 0.09% while SPY charges 0.09%. At the precision these are quoted to, they cost the same.
What is the holdings overlap between FINA and SPY?
92.5% of FINA's money is in holdings SPY also owns. 86.3% of SPY's is in holdings FINA also owns. They hold 232 positions in common, counted across the 270 positions we hold weights for in FINA and 504 in SPY.
Which pays a higher dividend, FINA or SPY?
FINA yields 0.00% while SPY yields 0.98%, so SPY currently pays the higher dividend yield.
Is SPY better than FINA?
FINA is less concentrated, with 35.1% 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.