RMRC vs SPY
ARMOR Core Risk-Managed ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, RMRC or SPY?
Allocation/Balanced against Large Cap Blend.
SPY has a lower expense ratio. SPY is less concentrated, with 37.8% of the fund in its ten largest positions against 94.0%.
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 | RMRC | SPY |
|---|---|---|
| Expense Ratio | 0.50% | 0.09%Best |
| AUM | $10M | $804.7B |
| Dividend Yield | 0.58% | 0.98% |
| Holdings | 12 | 505 |
| YTD Return | +1.33% | +12.09%Best |
| 1Y Return | - | +16.29% |
| 3Y Return (annualized) | - | +21.20% |
| 5Y Return (annualized) | - | +13.37% |
| Top 10 Weight | 94.0% | 37.8%Best |
| Fund Family | Armor ETFs | State Street Investment Management |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Feb 23, 2026 | Jan 22, 1993 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
RMRC vs SPY growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
RMRC vs SPY Performance
ARMOR Core Risk-Managed ETF (RMRC) is an ETF from Armor ETFs and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Year to date, RMRC is up 1.33% versus a gain of 12.09% for SPY.
Past performance does not guarantee future results.
Fees and Cost Over Time
RMRC charges 0.50% per year while SPY charges 0.09%. On a $10,000 position that is $50 vs $9 annually, a gap of $41 per year that compounds over a long holding period. On income, RMRC currently yields 0.58% against 0.98% for SPY.
Holdings Overlap
We hold position weights for 11 holdings in RMRC and 504 in SPY, totalling 99.8% and 99.9% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 11 positions we hold weights for in RMRC and 504 in SPY, against full books of 12 and 505.
What only one of them owns
Measured across the 11 and 504 positions we hold weights for.
SPY holds 497 positions RMRC does not, 99.3% of the fund.
Largest: NVDA 8.01%, AAPL 7.26%, MSFT 5.66%, AMZN 3.79%, GOOGL 2.99%
You are not choosing between two funds in isolation.
Whichever of RMRC and SPY you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RMRC or SPY?
RMRC has an expense ratio of 0.50% while SPY charges 0.09%. SPY is the cheaper option, by $41 a year on a $10,000 investment.
Which pays a higher dividend, RMRC or SPY?
RMRC yields 0.58% while SPY yields 0.98%, so SPY currently pays the higher dividend yield.
Is SPY better than RMRC?
SPY has a lower expense ratio. SPY is less concentrated, with 37.8% of the fund in its ten largest positions against 94.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.