SPY vs TPFI
State Street SPDR S&P 500 ETF Trust vs Timothy Plan Fixed Income ETF
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 504 holdings.
Side-by-Side Comparison
| Metric | SPY | TPFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.55% | |
| AUM | $821.1B | $24M | |
| Dividend Yield | 1.01% | - | |
| Holdings | 505 | 333 | |
| YTD Return | +14.24% | -0.46% | |
| 1Y Return | +21.71% | - | |
| 3Y Return (annualized) | +22.10% | - | |
| 5Y Return (annualized) | +13.21% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -1.6% | |
| Fund Family | State Street Investment Management | Timothy Plan | |
| Category | Equity | Fixed Income | |
| Inception | Jan 22, 1993 | May 5, 2026 |
SPY vs TPFI Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Timothy Plan Fixed Income ETF (TPFI) is a ETF from Timothy Plan. Year to date, SPY is up 14.24% versus a loss of 0.46% for TPFI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -1.6% for TPFI. 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 TPFI 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.
Holdings Overlap
SPY and TPFI share 0 holdings out of 534 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 TPFI?
SPY has an expense ratio of 0.09% while TPFI 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 TPFI?
SPY and TPFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 534 unique securities.
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