SPY vs USMD
State Street SPDR S&P 500 ETF Trust vs CoreValues America First Technology ETF
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | SPY | USMD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.87% | |
| AUM | $789.1B | $292,639.82 | |
| Dividend Yield | 1.01% | 0.00% | |
| Holdings | 505 | 119 | |
| YTD Return | +13.39% | +25.88% | |
| 1Y Return | +22.52% | - | |
| 3Y Return (annualized) | +21.36% | - | |
| 5Y Return (annualized) | +13.19% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -16.6% | |
| Fund Family | State Street Investment Management | CORE VALUES ALPHA | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | Feb 6, 2026 |
SPY vs USMD Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and CoreValues America First Technology ETF (USMD) is a ETF from CORE VALUES ALPHA. Year to date, SPY is up 13.39% versus a gain of 25.88% for USMD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -16.6% for USMD. 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 USMD charges 0.87%. On a $10,000 position that is $9 vs $87 annually, a gap of $78 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.00% for USMD.
Holdings Overlap
SPY and USMD share 50 holdings out of 570 unique holdings combined, representing a 29.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SPY or USMD?
SPY has an expense ratio of 0.09% while USMD charges 0.87%. SPY is the cheaper option. On a $10,000 investment, that is $78 per year of difference.
What is the holdings overlap between SPY and USMD?
SPY and USMD share 50 common holdings with a 29.6% weight overlap. Combined, they hold 570 unique securities.
Which pays a higher dividend, SPY or USMD?
SPY yields 1.01% while USMD yields 0.00%, so SPY currently pays the higher dividend yield.
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