SPY vs XCOR
State Street SPDR S&P 500 ETF Trust vs FundX ETF
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | SPY | XCOR | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 1.15% | |
| AUM | $789.1B | $179M | |
| Dividend Yield | 1.01% | 0.38% | |
| Holdings | 505 | 12 | |
| YTD Return | +13.39% | +10.59% | |
| 1Y Return | +22.52% | +18.42% | |
| 3Y Return (annualized) | +21.36% | +20.82% | |
| 5Y Return (annualized) | +13.19% | - | |
| Volatility (annualized) | 15.3% | 14.6% | |
| Max Drawdown | -56.5% | -22.5% | |
| Fund Family | State Street Investment Management | FundX Funds | |
| Category | Equity | Equity | |
| Inception | Jan 22, 1993 | Oct 14, 2022 |
SPY vs XCOR Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and FundX ETF (XCOR) is a ETF from FundX Funds. Over the past year SPY returned +22.52% while XCOR returned +18.42%. Year to date, SPY is up 13.39% versus a gain of 10.59% for XCOR.
Over three years, SPY compounded at +21.36% per year against +20.82% for XCOR. Across the full 4-year window we track, XCOR has the edge at +19.54% annualized vs +8.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.6% for XCOR. 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 -22.5% for XCOR. 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SPY charges 0.09% per year while XCOR charges 1.15%. On a $10,000 position that is $9 vs $115 annually, a gap of $106 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.38% for XCOR.
Holdings Overlap
SPY and XCOR share 0 holdings out of 514 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 XCOR?
SPY has an expense ratio of 0.09% while XCOR charges 1.15%. SPY is the cheaper option. On a $10,000 investment, that is $106 per year of difference.
Which performed better, SPY or XCOR?
Over the past year SPY returned +22.52% vs +18.42% for XCOR, so SPY leads on 1-year performance. Over the longest common window we track (4 years), SPY annualized +8.84% vs +19.54% for XCOR. Past performance does not guarantee future results.
Which is riskier, SPY or XCOR?
SPY has been the more volatile fund at 15.3% annualized versus 14.6% for XCOR. Worst drawdown: SPY -56.5% vs XCOR -22.5%.
Should I hold both SPY and XCOR?
SPY and XCOR have a monthly-return correlation of 0.92, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between SPY and XCOR?
SPY and XCOR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 514 unique securities.
Which pays a higher dividend, SPY or XCOR?
SPY yields 1.01% while XCOR yields 0.38%, so SPY currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.