SFYF vs SPY
SoFi Social 50 ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SFYF delivered stronger 1-year returns. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SFYF | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.09% | |
| AUM | $43M | $821.1B | |
| Dividend Yield | 0.38% | 1.01% | |
| Holdings | 52 | 505 | |
| YTD Return | +11.89% | +12.22% | |
| 1Y Return | +26.93% | +20.83% | |
| 3Y Return (annualized) | +32.80% | +21.70% | |
| 5Y Return (annualized) | +11.66% | +12.98% | |
| Volatility (annualized) | 29.5% | 15.3% | |
| Max Drawdown | -56.1% | -56.5% | |
| Fund Family | SoFi | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | May 7, 2019 | Jan 22, 1993 |
SFYF vs SPY Performance
SoFi Social 50 ETF (SFYF) is a ETF from SoFi and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year SFYF returned +26.93% while SPY returned +20.83%. Year to date, SFYF is up 11.89% versus a gain of 12.22% for SPY.
Over three years, SFYF compounded at +32.80% per year against +21.70% for SPY; over five years the annualized figures are +11.66% and +12.98% respectively. Across the full 7-year window we track, SFYF has the edge at +17.53% annualized vs +8.79%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.5% compared with 15.3% for SPY. 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 -56.1% for SFYF 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SFYF charges 0.29% per year while SPY charges 0.09%. On a $10,000 position that is $29 vs $9 annually, a gap of $20 per year that compounds over a long holding period. On income, SFYF currently yields 0.38% against 1.01% for SPY.
Holdings Overlap
SFYF and SPY share 34 holdings out of 521 unique holdings combined, representing a 41.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SFYF or SPY?
SFYF has an expense ratio of 0.29% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $20 per year of difference.
Which performed better, SFYF or SPY?
Over the past year SFYF returned +26.93% vs +20.83% for SPY, so SFYF leads on 1-year performance. Over the longest common window we track (7 years), SFYF annualized +17.53% vs +8.79% for SPY. Past performance does not guarantee future results.
Which is riskier, SFYF or SPY?
SFYF has been the more volatile fund at 29.5% annualized versus 15.3% for SPY. Worst drawdown: SFYF -56.1% vs SPY -56.5%.
Should I hold both SFYF and SPY?
SFYF and SPY have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SFYF and SPY?
SFYF and SPY share 34 common holdings with a 41.2% weight overlap. Combined, they hold 521 unique securities.
Which pays a higher dividend, SFYF or SPY?
SFYF yields 0.38% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.
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