PFDE vs SPY

Quick Verdict

SPY has a lower expense ratio. SPY offers more diversification with 503 holdings.

Lower Fees: SPYHigher Returns: TiedMore Diversified: SPY

Side-by-Side Comparison

MetricPFDESPYWinner
Expense Ratio0.59%0.09%
AUM$156M$789.1B
Dividend Yield0.18%1.01%
Holdings84505
YTD Return+14.56%+13.39%
1Y Return-+22.52%
3Y Return (annualized)-+21.36%
5Y Return (annualized)-+13.19%
Volatility (annualized)-15.3%
Max Drawdown-10.4%-56.5%
Fund FamilyPathfinder ETFsState Street Investment Management
CategoryEquityEquity
InceptionDec 31, 2025Jan 22, 1993

PFDE vs SPY Performance

Pathfinder Disciplined US Equity ETF (PFDE) is a ETF from Pathfinder ETFs and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Year to date, PFDE is up 14.56% versus a gain of 13.39% for SPY.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -10.4% for PFDE 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

PFDE charges 0.59% per year while SPY charges 0.09%. On a $10,000 position that is $59 vs $9 annually, a gap of $50 per year that compounds over a long holding period. On income, PFDE currently yields 0.18% against 1.01% for SPY.

Holdings Overlap

47.6%overlap

PFDE and SPY share 77 holdings out of 508 unique holdings combined, representing a 47.6% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in PFDEWeight in SPYDifference
NVDA9.84%7.31%2.53%
AAPL6.21%7.09%0.88%
AMZN6.06%3.69%2.37%
MSFTProProPro
AVGOProProPro
GOOGProProPro
MUProProPro
METAProProPro
AMDProProPro
TSLAProProPro
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Frequently Asked Questions

Which is cheaper, PFDE or SPY?

PFDE has an expense ratio of 0.59% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $50 per year of difference.

What is the holdings overlap between PFDE and SPY?

PFDE and SPY share 77 common holdings with a 47.6% weight overlap. Combined, they hold 508 unique securities.

Which pays a higher dividend, PFDE or SPY?

PFDE yields 0.18% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.

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