SPY vs WWJD
State Street SPDR S&P 500 ETF Trust vs Inspire International ETF
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | WWJD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.66% | |
| AUM | $821.1B | $569M | |
| Dividend Yield | 1.01% | 2.49% | |
| Holdings | 505 | 218 | |
| YTD Return | +12.22% | +12.90% | |
| 1Y Return | +20.83% | +19.23% | |
| 3Y Return (annualized) | +21.70% | +17.87% | |
| 5Y Return (annualized) | +12.98% | +8.73% | |
| Volatility (annualized) | 15.3% | 18.7% | |
| Max Drawdown | -56.5% | -35.8% | |
| Fund Family | State Street Investment Management | Inspire ETFs | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | Sep 30, 2019 |
SPY vs WWJD Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Inspire International ETF (WWJD) is a ETF from Inspire ETFs. Over the past year SPY returned +20.83% while WWJD returned +19.23%. Year to date, SPY is up 12.22% versus a gain of 12.90% for WWJD.
Over three years, SPY compounded at +21.70% per year against +17.87% for WWJD; over five years the annualized figures are +12.98% and +8.73% respectively. Across the full 7-year window we track, WWJD has the edge at +11.59% annualized vs +8.79%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
WWJD has been the more volatile fund, with annualized monthly volatility of 18.7% 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 -35.8% for WWJD. 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SPY charges 0.09% per year while WWJD charges 0.66%. On a $10,000 position that is $9 vs $66 annually, a gap of $57 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 2.49% for WWJD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, SPY or WWJD?
SPY has an expense ratio of 0.09% while WWJD charges 0.66%. SPY is the cheaper option. On a $10,000 investment, that is $57 per year of difference.
Which performed better, SPY or WWJD?
Over the past year SPY returned +20.83% vs +19.23% for WWJD, so SPY leads on 1-year performance. Over the longest common window we track (7 years), SPY annualized +8.79% vs +11.59% for WWJD. Past performance does not guarantee future results.
Which is riskier, SPY or WWJD?
WWJD has been the more volatile fund at 18.7% annualized versus 15.3% for SPY. Worst drawdown: SPY -56.5% vs WWJD -35.8%.
Should I hold both SPY and WWJD?
SPY and WWJD have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPY and WWJD?
SPY and WWJD share 2 common holdings with a 0.2% weight overlap. Combined, they hold 701 unique securities.
Which pays a higher dividend, SPY or WWJD?
SPY yields 1.01% while WWJD yields 2.49%, so WWJD currently pays the higher dividend yield.
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