SPY vs THMR
State Street SPDR S&P 500 ETF Trust vs THOR AdaptiveRisk Dynamic ETF
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | THMR | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 1.10% | |
| AUM | $821.1B | $46M | |
| Dividend Yield | 1.01% | 0.00% | |
| Holdings | 505 | 28 | |
| YTD Return | +12.93% | +1.34% | |
| 1Y Return | +20.62% | - | |
| 3Y Return (annualized) | +22.00% | - | |
| 5Y Return (annualized) | +13.33% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -9.9% | |
| Fund Family | State Street Investment Management | Thor Financial Technologies | |
| Category | Equity | Allocation/Balanced | |
| Inception | Jan 22, 1993 | Apr 9, 2026 |
SPY vs THMR Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and THOR AdaptiveRisk Dynamic ETF (THMR) is a ETF from Thor Financial Technologies. Year to date, SPY is up 12.93% versus a gain of 1.34% for THMR.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -9.9% for THMR. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SPY charges 0.09% per year while THMR charges 1.10%. On a $10,000 position that is $9 vs $110 annually, a gap of $101 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.00% for THMR.
Holdings Overlap
SPY and THMR share 12 holdings out of 520 unique holdings combined, representing a 17.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SPY or THMR?
SPY has an expense ratio of 0.09% while THMR charges 1.10%. SPY is the cheaper option. On a $10,000 investment, that is $101 per year of difference.
What is the holdings overlap between SPY and THMR?
SPY and THMR share 12 common holdings with a 17.1% weight overlap. Combined, they hold 520 unique securities.
Which pays a higher dividend, SPY or THMR?
SPY yields 1.01% while THMR yields 0.00%, so SPY currently pays the higher dividend yield.
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