LDRI vs SPY
iShares iBonds 1-5 Year TIPS Ladder ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, LDRI or SPY?
SPY has been ahead.
SPY has a lower expense ratio. SPY led over 1Y and the full window.
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 | LDRI | SPY |
|---|---|---|
| Expense Ratio | 0.10% | 0.09%Best |
| AUM | $24M | $804.7B |
| Dividend Yield | 5.02% | 0.98% |
| Holdings | 7 | 505 |
| YTD Return | +1.37% | +10.96%Best |
| 1Y Return | +1.36% | +15.52%Best |
| 3Y Return (annualized) | - | +20.73% |
| 5Y Return (annualized) | - | +12.53% |
| Volatility (annualized) | 1.8%Best | 12.8% |
| Max Drawdown | -1.1%Best | -18.8% |
| $10,000 over 1.9 years | $10,740 | $12,947Best |
| Fund Family | iShares by BlackRock (US) | State Street Investment Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Nov 7, 2024 | Jan 22, 1993 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.9 years row, are measured over the window both funds cover: Nov 8, 2024 to Sep 16, 2026 (1.9 years).
LDRI 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 covers the 1.9 years both funds cover.
LDRI vs SPY Performance
iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) is an ETF from iShares by BlackRock (US) and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Over the past year LDRI returned +1.36% while SPY returned +15.52%. Year to date, LDRI is up 1.37% versus a gain of 10.96% for SPY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 1.8% for LDRI. 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 -1.1% for LDRI and -18.8% 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 0.06. They move largely independently of each other.
Fees and Cost Over Time
LDRI charges 0.10% per year while SPY charges 0.09%. On a $10,000 position that is $10 vs $9 annually, a gap of $1 per year that compounds over a long holding period. On income, LDRI currently yields 5.02% against 0.98% for SPY.
Holdings Overlap
We hold position weights for 5 holdings in LDRI and 504 in SPY, totalling 80.2% 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 5 positions we hold weights for in LDRI and 504 in SPY, against full books of 7 and 505.
You are not choosing between two funds in isolation.
Whichever of LDRI and SPY you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, LDRI or SPY?
LDRI has an expense ratio of 0.10% while SPY charges 0.09%. SPY is the cheaper option, by $1 a year on a $10,000 investment.
Which performed better, LDRI or SPY?
Over the past year LDRI returned +1.36% vs +15.52% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (2 years), LDRI annualized +3.83% vs +14.56% for SPY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LDRI or SPY?
SPY has been the more volatile fund at 12.8% annualized versus 1.8% for LDRI. Worst drawdown: LDRI -1.1% vs SPY -18.8%.
Should I hold both LDRI and SPY?
LDRI and SPY have a monthly-return correlation of 0.06, 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, LDRI or SPY?
LDRI yields 5.02% while SPY yields 0.98%, so LDRI currently pays the higher dividend yield.
Is SPY better than LDRI?
SPY has a lower expense ratio. SPY led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.