SPY vs VBCC
State Street SPDR S&P 500 ETF Trust vs Vanguard Target Maturity 2029 Corporate Bond ETF
Quick Verdict
VBCC has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | VBCC | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.08% | |
| AUM | $821.1B | $50M | |
| Dividend Yield | 1.01% | 0.79% | |
| Holdings | 505 | 472 | |
| YTD Return | +13.47% | +1.86% | |
| 1Y Return | +20.57% | - | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.88% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -0.8% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Jan 22, 1993 | Mar 10, 2026 |
SPY vs VBCC Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Vanguard Target Maturity 2029 Corporate Bond ETF (VBCC) is a ETF from Vanguard (US). Year to date, SPY is up 13.47% versus a gain of 1.86% for VBCC.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -0.8% for VBCC. 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 VBCC charges 0.08%. On a $10,000 position that is $9 vs $8 annually, a gap of $1 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.79% for VBCC.
Holdings Overlap
SPY and VBCC share 0 holdings out of 634 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 VBCC?
SPY has an expense ratio of 0.09% while VBCC charges 0.08%. VBCC is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
What is the holdings overlap between SPY and VBCC?
SPY and VBCC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 634 unique securities.
Which pays a higher dividend, SPY or VBCC?
SPY yields 1.01% while VBCC yields 0.79%, so SPY currently pays the higher dividend yield.
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