PRAY vs SPY
FIS Christian Stock Fund vs State Street SPDR S&P 500 ETF Trust
Which is better, PRAY or SPY?
SPY has been ahead.
SPY has a lower expense ratio. SPY led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. SPY is less concentrated, with 38.0% of the fund in its ten largest positions against 38.4%.
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 | PRAY | SPY |
|---|---|---|
| Expense Ratio | 0.69% | 0.09%Best |
| AUM | $79M | $814.4B |
| Dividend Yield | 0.61% | 1.01% |
| Holdings | 69 | 505 |
| Volatility (annualized) | 14.3%Best | 15.8% |
| Max Drawdown | -21.4%Best | -22.1% |
| $10,000 over 3.9 years | $12,807 | $16,001Best |
| Top 10 Weight | 38.4% | 38.0%Best |
| Fund Family | Faith Investor Services | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 7, 2022 | Jan 22, 1993 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 247 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. PRAY has data through Dec 31, 2025 and SPY through Sep 4, 2026.
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Feb 8, 2022 to Dec 31, 2025 (3.9 years).
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 14.3% for PRAY. 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 -21.4% for PRAY and -22.1% 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PRAY charges 0.69% per year while SPY charges 0.09%. On a $10,000 position that is $69 vs $9 annually, a gap of $60 per year that compounds over a long holding period. On income, PRAY currently yields 0.61% against 1.01% for SPY.
Holdings Overlap
60.6% of PRAY's money is in holdings SPY also owns. 28.8% of SPY's money is in holdings PRAY also owns.
The two portfolios partly overlap.
40 positions in common, counted across the 68 positions we hold weights for in PRAY and 503 in SPY, against full books of 69 and 505.
What only one of them owns
Our book lists 453 positions for SPY that do not appear in our book for PRAY (70.6% of the fund), and 15 for PRAY that do not appear in SPY (17.1%).
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.
Top Shared Holdings
| Stock | Weight in PRAY | Weight in SPY | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 6.65% | 7.71% | 1.06% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 2.47% | 5.50% | 3.03% |
| GOOGL Alphabet Inc. Class A | 3.24% | 3.33% | 0.09% |
| AVGOBroadcom Inc | 3.19% | 2.97% | 0.22% |
| AMZNAmazon.Com Inc | 2.01% | 4.08% | 2.07% |
| CASYCasey's General Stores Inc | 4.68% | 0.05% | 4.63% |
| IBKRInteractive Brokers Group Inc | 3.18% | 0.06% | 3.12% |
| FIXComfort Systems Usa Inc Common Stock | 3.12% | 0.09% | 3.03% |
| CATCaterpillar, Inc. | 1.82% | 0.61% | 1.21% |
| URIUnited Rentals Inc Sedol 2134781 | 2.02% | 0.11% | 1.91% |
60.6% of PRAY is already inside SPY.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PRAY or SPY?
PRAY has an expense ratio of 0.69% while SPY charges 0.09%. SPY is the cheaper option, by $60 a year on a $10,000 investment.
Which is riskier, PRAY or SPY?
SPY has been the more volatile fund at 15.8% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs SPY -22.1%.
Should I hold both PRAY and SPY?
PRAY and SPY have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between PRAY and SPY?
60.6% of PRAY's money is in holdings SPY also owns. 28.8% of SPY's is in holdings PRAY also owns. They hold 40 positions in common, counted across the 68 positions we hold weights for in PRAY and 503 in SPY.
Which pays a higher dividend, PRAY or SPY?
PRAY yields 0.61% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
Is SPY better than PRAY?
SPY has a lower expense ratio. SPY led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. SPY is less concentrated, with 38.0% of the fund in its ten largest positions against 38.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.