SPY vs TWM

Quick Verdict

SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.

Lower Fees: SPYHigher Returns: SPYMore Diversified: SPY

Side-by-Side Comparison

MetricSPYTWMWinner
Expense Ratio0.09%0.95%
AUM$789.1B$44M
Dividend Yield1.01%5.68%
Holdings50510
YTD Return+13.39%-33.01%
1Y Return+22.52%-48.25%
3Y Return (annualized)+21.36%-58.99%
5Y Return (annualized)+13.19%-41.35%
Volatility (annualized)15.3%43.0%
Max Drawdown-56.5%-100.0%
Fund FamilyState Street Investment ManagementProShares
CategoryEquityAlternative
InceptionJan 22, 1993Jan 23, 2007

SPY vs TWM Performance

State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and ProShares UltraShort Russell2000 (TWM) is a ETF from ProShares. Over the past year SPY returned +22.52% while TWM returned -48.25%. Year to date, SPY is up 13.39% versus a loss of 33.01% for TWM.

Over three years, SPY compounded at +21.36% per year against -58.99% for TWM; over five years the annualized figures are +13.19% and -41.35% respectively. Across the full 20-year window we track, SPY has the edge at +8.84% annualized vs -35.15%. Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

TWM has been the more volatile fund, with annualized monthly volatility of 43.0% 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 -100.0% for TWM. 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 -0.80. They move independently enough that combining them can meaningfully diversify a portfolio.

Fees and Cost Over Time

SPY charges 0.09% per year while TWM charges 0.95%. On a $10,000 position that is $9 vs $95 annually, a gap of $86 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 5.68% for TWM.

Holdings Overlap

0.0%overlap

SPY and TWM share 0 holdings out of 504 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 TWM?

SPY has an expense ratio of 0.09% while TWM charges 0.95%. SPY is the cheaper option. On a $10,000 investment, that is $86 per year of difference.

Which performed better, SPY or TWM?

Over the past year SPY returned +22.52% vs -48.25% for TWM, so SPY leads on 1-year performance. Over the longest common window we track (20 years), SPY annualized +8.84% vs -35.15% for TWM. Past performance does not guarantee future results.

Which is riskier, SPY or TWM?

TWM has been the more volatile fund at 43.0% annualized versus 15.3% for SPY. Worst drawdown: SPY -56.5% vs TWM -100.0%.

Should I hold both SPY and TWM?

SPY and TWM have a monthly-return correlation of -0.80, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between SPY and TWM?

SPY and TWM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 504 unique securities.

Which pays a higher dividend, SPY or TWM?

SPY yields 1.01% while TWM yields 5.68%, so TWM currently pays the higher dividend yield.

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