SCCR vs SPY
Schwab Core Bond ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, SCCR or SPY?
Investment Grade Bond against Large Cap Blend.
SPY has a lower expense ratio. SPY led over 1Y and the full window.
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 | SCCR | SPY |
|---|---|---|
| Expense Ratio | 0.16% | 0.09%Best |
| AUM | $1.8B | $811.2B |
| Dividend Yield | 4.71% | 0.98% |
| Holdings | 596 | 1,515 |
| YTD Return | -2.90% | +13.54%Best |
| 1Y Return | -2.23% | +16.25%Best |
| 3Y Return (annualized) | - | +23.72% |
| 5Y Return (annualized) | - | +13.95% |
| Volatility (annualized) | 3.8%Best | 12.8% |
| Max Drawdown | -4.9%Best | -18.8% |
| $10,000 over 1.7 years | $10,354 | $13,084Best |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management |
| Category | Fixed Income | Equity |
| Style | Investment Grade Bond | Large Cap Blend |
| Inception | Feb 5, 2025 | Jan 22, 1993 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Feb 5, 2025 to Oct 2, 2026 (1.7 years).
SCCR 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 covers the 1.7 years both funds cover.
SCCR vs SPY Performance
Schwab Core Bond ETF (SCCR) is an ETF from Charles Schwab Asset Management and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Over the past year SCCR returned -2.23% while SPY returned +16.25%. Year to date, SCCR is down 2.90% versus a gain of 13.54% for SPY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 3.8% for SCCR. 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 -4.9% for SCCR and -18.8% 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 0.27. They move largely independently of each other.
Fees and Cost Over Time
SCCR charges 0.16% per year while SPY charges 0.09%. On a $10,000 position that is $16 vs $9 annually, a gap of $7 per year that compounds over a long holding period. On income, SCCR currently yields 4.71% against 0.98% for SPY.
Holdings Overlap
At least 20.8% of SPY's money is in holdings SCCR also owns.
Stated as a floor: for SCCR, our book for it covers 14.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
SPY and SCCR share little of their money.
27 positions in common, counted across the 38 positions we hold weights for in SCCR and 504 in SPY, against full books of 596 and 1,515.
Top Shared Holdings
| Stock | Weight in SCCR | Weight in SPY | Difference |
|---|---|---|---|
| NVDANvidia Corp | 0.28% | 7.78% | 7.50% |
| AMZNAmazon.Com Inc | 0.38% | 3.78% | 3.40% |
| METAMeta Platforms Inc | 0.32% | 2.22% | 1.90% |
| JPMJpmorgan Chase | 0.55% | 1.43% | 0.88% |
| ABBVAbbvie Inc. | 0.44% | 0.70% | 0.26% |
| CCitigroup Inc. | 0.71% | 0.35% | 0.36% |
| GSGoldman Sachs Group Inc/The | 0.62% | 0.44% | 0.18% |
| MSMorgan Stanley | 0.65% | 0.38% | 0.27% |
| UNHUnitedhealth Group Incorporated | 0.42% | 0.53% | 0.11% |
| WFCWells Fargo & Co. | 0.50% | 0.41% | 0.09% |
20.8% of SPY is already inside SCCR.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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Frequently Asked Questions
Which is cheaper, SCCR or SPY?
SCCR has an expense ratio of 0.16% while SPY charges 0.09%. SPY is the cheaper option, by $7 a year on a $10,000 investment.
Which performed better, SCCR or SPY?
Over the past year SCCR returned -2.23% vs +16.25% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (2 years), SCCR annualized +2.07% vs +17.13% for SPY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCCR or SPY?
SPY has been the more volatile fund at 12.8% annualized versus 3.8% for SCCR. Worst drawdown: SCCR -4.9% vs SPY -18.8%.
Should I hold both SCCR and SPY?
SCCR and SPY have a monthly-return correlation of 0.27, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCCR and SPY?
At least 20.8% of SPY's money is in holdings SCCR also owns. Our book for SCCR is partial, so the real figure is this or higher. They hold 27 positions in common, counted across the 38 positions we hold weights for in SCCR and 504 in SPY.
Which pays a higher dividend, SCCR or SPY?
SCCR yields 4.71% while SPY yields 0.98%, so SCCR currently pays the higher dividend yield.
Is SPY better than SCCR?
SPY has a lower expense ratio. SPY led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.