SPY vs VCOB
State Street SPDR S&P 500 ETF Trust vs Voya Core Bond ETF
Quick Verdict
SPY has a lower expense ratio. VCOB offers more diversification with 955 holdings.
Side-by-Side Comparison
| Metric | SPY | VCOB | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.25% | |
| AUM | $821.1B | $97M | |
| Dividend Yield | 1.01% | 0.51% | |
| Holdings | 505 | 955 | |
| YTD Return | +12.35% | -2.17% | |
| 1Y Return | +20.15% | - | |
| 3Y Return (annualized) | +21.69% | - | |
| 5Y Return (annualized) | +12.77% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -4.0% | |
| Fund Family | State Street Investment Management | Voya Investment Management | |
| Category | Equity | Fixed Income | |
| Inception | Jan 22, 1993 | Nov 18, 2025 |
SPY vs VCOB Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Voya Core Bond ETF (VCOB) is a ETF from Voya Investment Management. Year to date, SPY is up 12.35% versus a loss of 2.17% for VCOB.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -4.0% for VCOB. 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 VCOB charges 0.25%. On a $10,000 position that is $9 vs $25 annually, a gap of $16 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.51% for VCOB.
Holdings Overlap
SPY and VCOB share 1 holdings out of 1233 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SPY | Weight in VCOB | Difference |
|---|---|---|---|
| TMUS | 0.12% | 0.19% | 0.07% |
Frequently Asked Questions
Which is cheaper, SPY or VCOB?
SPY has an expense ratio of 0.09% while VCOB charges 0.25%. SPY is the cheaper option. On a $10,000 investment, that is $16 per year of difference.
What is the holdings overlap between SPY and VCOB?
SPY and VCOB share 1 common holdings with a 0.1% weight overlap. Combined, they hold 1233 unique securities.
Which pays a higher dividend, SPY or VCOB?
SPY yields 1.01% while VCOB yields 0.51%, so SPY currently pays the higher dividend yield.
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