LOTI vs SPY
Liberty One Tactical Income ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | LOTI | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.09% | |
| AUM | $48M | $814.4B | |
| Dividend Yield | 1.77% | 1.01% | |
| Holdings | 35 | 505 | |
| YTD Return | +5.43% | +12.87% | |
| 1Y Return | +5.57% | +21.13% | |
| 3Y Return (annualized) | - | +20.86% | |
| 5Y Return (annualized) | - | +12.69% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -4.4% | -56.5% | |
| Fund Family | Liberty One Investment Management, LLC | State Street Investment Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 30, 2025 | Jan 22, 1993 |
LOTI vs SPY Performance
Liberty One Tactical Income ETF (LOTI) is a ETF from Liberty One Investment Management, LLC and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year LOTI returned +5.57% while SPY returned +21.13%. Year to date, LOTI is up 5.43% versus a gain of 12.87% for SPY.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -4.4% for LOTI 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
LOTI 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. On income, LOTI currently yields 1.77% against 1.01% for SPY.
Holdings Overlap
LOTI and SPY share 24 holdings out of 514 unique holdings combined, representing a 12.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LOTI or SPY?
LOTI 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.
Which performed better, LOTI or SPY?
Over the past year LOTI returned +5.57% vs +21.13% for SPY, so SPY leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between LOTI and SPY?
LOTI and SPY share 24 common holdings with a 12.8% weight overlap. Combined, they hold 514 unique securities.
Which pays a higher dividend, LOTI or SPY?
LOTI yields 1.77% while SPY yields 1.01%, so LOTI currently pays the higher dividend yield.
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