PRAY vs SPY
FIS Christian Stock Fund 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 | PRAY | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.09% | |
| AUM | $80M | $821.1B | |
| Dividend Yield | 0.61% | 1.01% | |
| Holdings | 68 | 505 | |
| YTD Return | +9.33% | +12.93% | |
| 1Y Return | +9.08% | +20.62% | |
| 3Y Return (annualized) | +13.88% | +22.00% | |
| 5Y Return (annualized) | - | +13.33% | |
| Volatility (annualized) | 14.3% | 15.3% | |
| Max Drawdown | -21.4% | -56.5% | |
| Fund Family | Faith Investor Services | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Feb 7, 2022 | Jan 22, 1993 |
PRAY vs SPY Performance
FIS Christian Stock Fund (PRAY) is a ETF from Faith Investor Services and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year PRAY returned +9.08% while SPY returned +20.62%. Year to date, PRAY is up 9.33% versus a gain of 12.93% for SPY.
Over three years, PRAY compounded at +13.88% per year against +22.00% for SPY. Across the full 4-year window we track, SPY has the edge at +8.82% annualized vs +6.55%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -56.5% for SPY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
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
PRAY and SPY share 41 holdings out of 531 unique holdings combined, representing a 22.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $60 per year of difference.
Which performed better, PRAY or SPY?
Over the past year PRAY returned +9.08% vs +20.62% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (4 years), PRAY annualized +6.55% vs +8.82% for SPY. Past performance does not guarantee future results.
Which is riskier, PRAY or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs SPY -56.5%.
Should I hold both PRAY and SPY?
PRAY and SPY have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between PRAY and SPY?
PRAY and SPY share 41 common holdings with a 22.3% weight overlap. Combined, they hold 531 unique securities.
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.
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