SPY vs TPHD
State Street SPDR S&P 500 ETF Trust vs Timothy Plan High Dividend Sock ETF
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | SPY | TPHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.52% | |
| AUM | $789.1B | $363M | |
| Dividend Yield | 1.01% | 1.97% | |
| Holdings | 505 | 101 | |
| YTD Return | +13.79% | +13.13% | |
| 1Y Return | +23.66% | +16.06% | |
| 3Y Return (annualized) | +21.40% | +12.74% | |
| 5Y Return (annualized) | +13.37% | +9.63% | |
| Volatility (annualized) | 15.3% | 16.8% | |
| Max Drawdown | -56.5% | -42.0% | |
| Fund Family | State Street Investment Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | May 5, 2019 |
SPY vs TPHD Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Timothy Plan High Dividend Sock ETF (TPHD) is a ETF from Timothy Plan. Over the past year SPY returned +23.66% while TPHD returned +16.06%. Year to date, SPY is up 13.79% versus a gain of 13.13% for TPHD.
Over three years, SPY compounded at +21.40% per year against +12.74% for TPHD; over five years the annualized figures are +13.37% and +9.63% respectively. Across the full 7-year window we track, TPHD has the edge at +9.80% annualized vs +8.85%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPHD has been the more volatile fund, with annualized monthly volatility of 16.8% 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 -56.5% for SPY and -42.0% for TPHD. 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SPY charges 0.09% per year while TPHD 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. On income, SPY currently yields 1.01% against 1.97% for TPHD.
Holdings Overlap
SPY and TPHD share 85 holdings out of 518 unique holdings combined, representing a 7.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SPY or TPHD?
SPY has an expense ratio of 0.09% while TPHD charges 0.52%. SPY is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, SPY or TPHD?
Over the past year SPY returned +23.66% vs +16.06% for TPHD, so SPY leads on 1-year performance. Over the longest common window we track (7 years), SPY annualized +8.85% vs +9.80% for TPHD. Past performance does not guarantee future results.
Which is riskier, SPY or TPHD?
TPHD has been the more volatile fund at 16.8% annualized versus 15.3% for SPY. Worst drawdown: SPY -56.5% vs TPHD -42.0%.
Should I hold both SPY and TPHD?
SPY and TPHD have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPY and TPHD?
SPY and TPHD share 85 common holdings with a 7.0% weight overlap. Combined, they hold 518 unique securities.
Which pays a higher dividend, SPY or TPHD?
SPY yields 1.01% while TPHD yields 1.97%, so TPHD currently pays the higher dividend yield.
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