FIZY vs SPY
Fitz-Gerald Must Have Portfolio and Options Overlay 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 | FIZY | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.09% | |
| AUM | $9M | $814.4B | |
| Dividend Yield | - | 1.01% | |
| Holdings | 31 | 505 | |
| YTD Return | +0.32% | +12.87% | |
| 1Y Return | - | +21.13% | |
| 3Y Return (annualized) | - | +20.86% | |
| 5Y Return (annualized) | - | +12.69% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -3.8% | -56.5% | |
| Fund Family | XFunds | State Street Investment Management | |
| Category | Alternative | Equity | |
| Inception | Aug 3, 2026 | Jan 22, 1993 |
FIZY vs SPY Performance
Fitz-Gerald Must Have Portfolio and Options Overlay ETF (FIZY) 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, FIZY is up 0.32% versus a gain of 12.87% for SPY.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -3.8% for FIZY 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
FIZY 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.
Holdings Overlap
FIZY and SPY share 26 holdings out of 509 unique holdings combined, representing a 34.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FIZY or SPY?
FIZY 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 FIZY and SPY?
FIZY and SPY share 26 common holdings with a 34.4% weight overlap. Combined, they hold 509 unique securities.
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