SPY vs VBCD
State Street SPDR S&P 500 ETF Trust vs Vanguard Target Maturity 2030 Corporate Bond ETF
Quick Verdict
VBCD has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | VBCD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.08% | |
| AUM | $821.1B | $49M | |
| Dividend Yield | 1.01% | 0.83% | |
| Holdings | 505 | 187 | |
| YTD Return | +14.24% | +1.16% | |
| 1Y Return | +21.71% | - | |
| 3Y Return (annualized) | +22.10% | - | |
| 5Y Return (annualized) | +13.21% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -1.2% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Jan 22, 1993 | Mar 10, 2026 |
SPY vs VBCD Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Vanguard Target Maturity 2030 Corporate Bond ETF (VBCD) is a ETF from Vanguard (US). Year to date, SPY is up 14.24% versus a gain of 1.16% for VBCD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -1.2% for VBCD. 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 VBCD 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 0.83% for VBCD.
Holdings Overlap
SPY and VBCD share 0 holdings out of 691 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 VBCD?
SPY has an expense ratio of 0.09% while VBCD charges 0.08%. VBCD is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
What is the holdings overlap between SPY and VBCD?
SPY and VBCD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 691 unique securities.
Which pays a higher dividend, SPY or VBCD?
SPY yields 1.01% while VBCD yields 0.83%, so SPY currently pays the higher dividend yield.
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