SPY vs XRP
State Street SPDR S&P 500 ETF Trust vs Bitwise XRP ETF
Quick Verdict
SPY has a lower expense ratio. SPY offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | SPY | XRP | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.34% | |
| AUM | $821.1B | $299M | |
| Dividend Yield | 1.01% | 0.00% | |
| Holdings | 505 | 1 | |
| YTD Return | +12.68% | -30.90% | |
| 1Y Return | +21.82% | - | |
| 3Y Return (annualized) | +21.98% | - | |
| 5Y Return (annualized) | +12.89% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.5% | -57.0% | |
| Fund Family | State Street Investment Management | Bitwise | |
| Category | Equity | Alternative | |
| Inception | Jan 22, 1993 | Nov 19, 2025 |
SPY vs XRP Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Bitwise XRP ETF (XRP) is a ETF from Bitwise. Year to date, SPY is up 12.68% versus a loss of 30.90% for XRP.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.5% for SPY and -57.0% for XRP. 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 XRP charges 0.34%. On a $10,000 position that is $9 vs $34 annually, a gap of $25 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 0.00% for XRP.
Frequently Asked Questions
Which is cheaper, SPY or XRP?
SPY has an expense ratio of 0.09% while XRP charges 0.34%. SPY is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which pays a higher dividend, SPY or XRP?
SPY yields 1.01% while XRP yields 0.00%, so SPY currently pays the higher dividend yield.
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