SPY vs XRPR
State Street SPDR S&P 500 ETF Trust vs REX-Osprey XRP ETF
Which is better, SPY or XRPR?
Large Cap Blend against Single Currency.
SPY has a lower expense ratio. SPY led over 1Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SPY | XRPR |
|---|---|---|
| Expense Ratio | 0.09%Best | 0.75% |
| AUM | $804.7B | $53M |
| Dividend Yield | 0.98% | 0.00% |
| Holdings | 505 | 4 |
| YTD Return | +12.09%Best | -29.88% |
| 1Y Return | +16.29%Best | -55.41% |
| 3Y Return (annualized) | +21.20% | - |
| 5Y Return (annualized) | +13.37% | - |
| Volatility (annualized) | 13.3%Best | 48.9% |
| Fund Family | State Street Investment Management | REX Shares |
| Category | Equity | Alternative |
| Style | Large Cap Blend | Single Currency |
| Inception | Jan 22, 1993 | Sep 18, 2025 |
Not shown on this pair: Max Drawdown, $10,000 over the window, Top 10 Weight.
SPY vs XRPR growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SPY vs XRPR Performance
State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management and REX-Osprey XRP ETF (XRPR) is an ETF from REX Shares. Over the past year SPY returned +16.29% while XRPR returned -55.41%. Year to date, SPY is up 12.09% versus a loss of 29.88% for XRPR.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XRPR has been the more volatile fund, with annualized monthly volatility of 48.9% compared with 13.3% for SPY. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.27. They move largely independently of each other.
Fees and Cost Over Time
SPY charges 0.09% per year while XRPR charges 0.75%. On a $10,000 position that is $9 vs $75 annually, a gap of $66 per year that compounds over a long holding period. On income, SPY currently yields 0.98% against 0.00% for XRPR.
Holdings Overlap
We hold position weights for 504 holdings in SPY and 1 in XRPR, totalling 99.9% and 39.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 504 positions we hold weights for in SPY and 1 in XRPR, against full books of 505 and 4.
You are not choosing between two funds in isolation.
Whichever of SPY and XRPR you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SPY or XRPR?
SPY has an expense ratio of 0.09% while XRPR charges 0.75%. SPY is the cheaper option, by $66 a year on a $10,000 investment.
Which performed better, SPY or XRPR?
Over the past year SPY returned +16.29% vs -55.41% for XRPR, so SPY leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SPY or XRPR?
XRPR has been the more volatile fund at 48.9% annualized versus 13.3% for SPY.
Should I hold both SPY and XRPR?
SPY and XRPR have a monthly-return correlation of 0.27, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SPY or XRPR?
SPY yields 0.98% while XRPR yields 0.00%, so SPY currently pays the higher dividend yield.
Is XRPR better than SPY?
SPY has a lower expense ratio. SPY led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.