SPY vs TILC
State Street SPDR S&P 500 ETF Trust vs Thrivent International Large Cap ETF
Quick Verdict
SPY has a lower expense ratio. TILC delivered stronger 1-year returns. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | TILC | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.52% | |
| AUM | $821.1B | - | |
| Dividend Yield | 1.01% | - | |
| Holdings | 505 | 324 | |
| YTD Return | +12.68% | +2.84% | |
| 1Y Return | +21.82% | - | |
| 3Y Return (annualized) | +21.98% | - | |
| 5Y Return (annualized) | +12.89% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -3.0% | |
| Fund Family | State Street Investment Management | Thrivent Funds | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | Jun 15, 2026 |
SPY vs TILC Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Thrivent International Large Cap ETF (TILC) is a ETF from Thrivent Funds. Year to date, SPY is up 12.68% versus a gain of 2.84% for TILC.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -3.0% for TILC. 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 TILC charges 0.52%. On a $10,000 position that is $9 vs $52 annually, a gap of $43 per year that compounds over a long holding period.
Holdings Overlap
SPY and TILC share 0 holdings out of 815 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, SPY or TILC?
SPY has an expense ratio of 0.09% while TILC charges 0.52%. SPY is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
What is the holdings overlap between SPY and TILC?
SPY and TILC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 815 unique securities.
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