PSFJ vs SPY
Pacer Swan SOS Flex July 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 503 holdings.
Side-by-Side Comparison
| Metric | PSFJ | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.09% | |
| AUM | $46M | $789.1B | |
| Dividend Yield | 0.00% | 1.01% | |
| Holdings | 6 | 505 | |
| YTD Return | +8.30% | +13.39% | |
| 1Y Return | +13.91% | +22.52% | |
| 3Y Return (annualized) | +14.58% | +21.36% | |
| 5Y Return (annualized) | +11.48% | +13.19% | |
| Volatility (annualized) | 9.4% | 15.3% | |
| Max Drawdown | -12.2% | -56.5% | |
| Fund Family | Pacer ETFs | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | Jun 30, 2021 | Jan 22, 1993 |
PSFJ vs SPY Performance
Pacer Swan SOS Flex July ETF (PSFJ) is a ETF from Pacer ETFs and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year PSFJ returned +13.91% while SPY returned +22.52%. Year to date, PSFJ is up 8.30% versus a gain of 13.39% for SPY.
Over three years, PSFJ compounded at +14.58% per year against +21.36% for SPY; over five years the annualized figures are +11.48% and +13.19% respectively. Across the full 5-year window we track, PSFJ has the edge at +11.47% annualized vs +8.84%. 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 9.4% for PSFJ. 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 -12.2% for PSFJ 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PSFJ charges 0.49% per year while SPY charges 0.09%. On a $10,000 position that is $49 vs $9 annually, a gap of $40 per year that compounds over a long holding period. On income, PSFJ currently yields 0.00% against 1.01% for SPY.
Holdings Overlap
PSFJ and SPY share 0 holdings out of 504 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PSFJ or SPY?
PSFJ has an expense ratio of 0.49% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, PSFJ or SPY?
Over the past year PSFJ returned +13.91% vs +22.52% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (5 years), PSFJ annualized +11.47% vs +8.84% for SPY. Past performance does not guarantee future results.
Which is riskier, PSFJ or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 9.4% for PSFJ. Worst drawdown: PSFJ -12.2% vs SPY -56.5%.
Should I hold both PSFJ and SPY?
PSFJ and SPY have a monthly-return correlation of 0.95, 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 PSFJ and SPY?
PSFJ and SPY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 504 unique securities.
Which pays a higher dividend, PSFJ or SPY?
PSFJ yields 0.00% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
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