SPY vs TINS
State Street SPDR S&P 500 ETF Trust vs Franklin Templeton International Insights ETF
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | TINS | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.55% | |
| AUM | $821.1B | $6M | |
| Dividend Yield | 1.01% | 0.21% | |
| Holdings | 505 | 49 | |
| YTD Return | +12.22% | +11.96% | |
| 1Y Return | +20.83% | - | |
| 3Y Return (annualized) | +21.70% | - | |
| 5Y Return (annualized) | +12.98% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -10.8% | |
| Fund Family | State Street Investment Management | Franklin Templeton Investments (US) | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | Oct 21, 2025 |
SPY vs TINS Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Franklin Templeton International Insights ETF (TINS) is a ETF from Franklin Templeton Investments (US). Year to date, SPY is up 12.22% versus a gain of 11.96% for TINS.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -10.8% for TINS. 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 TINS charges 0.55%. On a $10,000 position that is $9 vs $55 annually, a gap of $46 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.21% for TINS.
Holdings Overlap
SPY and TINS share 1 holdings out of 554 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SPY | Weight in TINS | Difference |
|---|---|---|---|
| CRH:LN | 0.10% | 1.84% | 1.74% |
Frequently Asked Questions
Which is cheaper, SPY or TINS?
SPY has an expense ratio of 0.09% while TINS charges 0.55%. SPY is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
What is the holdings overlap between SPY and TINS?
SPY and TINS share 1 common holdings with a 0.1% weight overlap. Combined, they hold 554 unique securities.
Which pays a higher dividend, SPY or TINS?
SPY yields 1.01% while TINS yields 0.21%, so SPY currently pays the higher dividend yield.
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