HF vs SPY

HF vs SPY

Which is better, HF or SPY?

Multi Alternative against Large Cap Blend.

SPY has a lower expense ratio. SPY led over 1Y and the full window. SPY is less concentrated, with 37.8% of the fund in its ten largest positions against 82.3%.

Lower Fees: SPYHigher Returns: SPYLess Concentrated: SPY

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

MetricHFSPY
Expense Ratio1.70%0.09%Best
AUM$21M$804.7B
Dividend Yield0.88%0.98%
Holdings17505
Volatility (annualized)7.3%Best12.9%
Max Drawdown-4.3%Best-8.7%
$10,000 over 1.4 years$11,548$13,819Best
Top 10 Weight82.3%37.8%Best
Fund FamilyDays Global AdvisorsState Street Investment Management
CategoryAlternativeEquity
StyleMulti AlternativeLarge Cap Blend
InceptionAug 2, 2023Jan 22, 1993

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 648 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. HF has data through Dec 12, 2024 and SPY through Sep 21, 2026.

Volatility and max drawdown, and the $10,000 over 1.4 years row, are measured over the window both funds cover: Aug 3, 2023 to Dec 12, 2024 (1.4 years).

Compare HF against instead:HF vs QQQHF vs VOOHF vs VTIHF vs IVVSPY against:SPY vs SPLGSPY vs RSP

Risk: Volatility and Drawdowns

SPY has been the more volatile fund, with annualized monthly volatility of 12.9% compared with 7.3% for HF. 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 -4.3% for HF and -8.7% for SPY. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

HF charges 1.70% per year while SPY charges 0.09%. On a $10,000 position that is $170 vs $9 annually, a gap of $161 per year that compounds over a long holding period. On income, HF currently yields 0.88% against 0.98% for SPY.

Holdings Overlap

We hold position weights for 18 holdings in HF and 504 in SPY, totalling 100.0% and 99.9% of the two funds. The two books name no position in common, so there is no overlap percentage to show.

0 positions in common, counted across the 18 positions we hold weights for in HF and 504 in SPY, against full books of 17 and 505.

What only one of them owns

Our book lists 497 positions for SPY that do not appear in our book for HF (99.3% of the fund), and 17 for HF that do not appear in SPY (97.5%).

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.

You are not choosing between two funds in isolation.

Whichever of HF and SPY you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

HFSPY

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, HF or SPY?

HF has an expense ratio of 1.70% while SPY charges 0.09%. SPY is the cheaper option, by $161 a year on a $10,000 investment.

Which is riskier, HF or SPY?

SPY has been the more volatile fund at 12.9% annualized versus 7.3% for HF. Worst drawdown: HF -4.3% vs SPY -8.7%.

Should I hold both HF and SPY?

HF and SPY have a monthly-return correlation of 0.78, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

Which pays a higher dividend, HF or SPY?

HF yields 0.88% while SPY yields 0.98%, so SPY currently pays the higher dividend yield.

Is SPY better than HF?

SPY has a lower expense ratio. SPY led over 1Y and the full window. SPY is less concentrated, with 37.8% of the fund in its ten largest positions against 82.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.