SPY vs TPLE
State Street SPDR S&P 500 ETF Trust vs Timothy Plan US Large/Mid Core Enhanced 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 | TPLE | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.52% | |
| AUM | $789.1B | $18M | |
| Dividend Yield | 1.01% | 1.01% | |
| Holdings | 505 | 279 | |
| YTD Return | +13.68% | +9.29% | |
| 1Y Return | +21.53% | +7.09% | |
| 3Y Return (annualized) | +21.44% | +6.50% | |
| 5Y Return (annualized) | +13.18% | - | |
| Volatility (annualized) | 15.3% | 13.0% | |
| Max Drawdown | -56.5% | -21.6% | |
| Fund Family | State Street Investment Management | Timothy Plan | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | Jul 28, 2021 |
SPY vs TPLE Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Timothy Plan US Large/Mid Core Enhanced ETF (TPLE) is a ETF from Timothy Plan. Over the past year SPY returned +21.53% while TPLE returned +7.09%. Year to date, SPY is up 13.68% versus a gain of 9.29% for TPLE.
Over three years, SPY compounded at +21.44% per year against +6.50% for TPLE. Across the full 4-year window we track, SPY has the edge at +8.85% annualized vs +3.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.0% for TPLE. 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 -21.6% for TPLE. 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SPY charges 0.09% per year while TPLE 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 1.01% for TPLE.
Frequently Asked Questions
Which is cheaper, SPY or TPLE?
SPY has an expense ratio of 0.09% while TPLE 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 TPLE?
Over the past year SPY returned +21.53% vs +7.09% for TPLE, so SPY leads on 1-year performance. Over the longest common window we track (4 years), SPY annualized +8.85% vs +3.42% for TPLE. Past performance does not guarantee future results.
Which is riskier, SPY or TPLE?
SPY has been the more volatile fund at 15.3% annualized versus 13.0% for TPLE. Worst drawdown: SPY -56.5% vs TPLE -21.6%.
Should I hold both SPY and TPLE?
SPY and TPLE have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SPY or TPLE?
SPY yields 1.01% while TPLE yields 1.01%, so TPLE currently pays the higher dividend yield.
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