PFOE vs SPY

Quick Verdict

SPY has a lower expense ratio. SPY offers more diversification with 505 holdings.

Lower Fees: SPYHigher Returns: TiedMore Diversified: SPY

Side-by-Side Comparison

MetricPFOESPYWinner
Expense Ratio0.59%0.09%
AUM$88M$789.1B
Dividend Yield0.22%1.01%
Holdings23505
YTD Return-5.87%+14.47%
1Y Return-+21.96%
3Y Return (annualized)-+21.70%
5Y Return (annualized)-+13.30%
Volatility (annualized)-15.3%
Max Drawdown-18.2%-56.5%
Fund FamilyPathfinder ETFsState Street Investment Management
CategoryEquityEquity
InceptionDec 31, 2025Jan 22, 1993

PFOE vs SPY Performance

Pathfinder Focused Opportunities ETF (PFOE) 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, PFOE is down 5.87% versus a gain of 14.47% for SPY.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -18.2% for PFOE 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

PFOE 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, PFOE currently yields 0.22% against 1.01% for SPY.

Holdings Overlap

7.5%overlap

PFOE and SPY share 11 holdings out of 514 unique holdings combined, representing a 7.5% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in PFOEWeight in SPYDifference
GOOG6.43%2.66%3.77%
UNH6.23%0.59%5.64%
NFLX5.34%0.49%4.85%
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Frequently Asked Questions

Which is cheaper, PFOE or SPY?

PFOE 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 PFOE and SPY?

PFOE and SPY share 11 common holdings with a 7.5% weight overlap. Combined, they hold 514 unique securities.

Which pays a higher dividend, PFOE or SPY?

PFOE yields 0.22% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.

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