SPY vs YFFI
State Street SPDR S&P 500 ETF Trust vs Indexperts Yield Focused Fixed Income 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 | YFFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.50% | |
| AUM | $789.1B | $22M | |
| Dividend Yield | 1.01% | 5.17% | |
| Holdings | 505 | 79 | |
| YTD Return | +13.68% | -0.32% | |
| 1Y Return | +21.53% | +2.34% | |
| 3Y Return (annualized) | +21.44% | - | |
| 5Y Return (annualized) | +13.18% | - | |
| Volatility (annualized) | 15.3% | 3.8% | |
| Max Drawdown | -56.5% | -4.3% | |
| Fund Family | State Street Investment Management | Indexperts | |
| Category | Equity | Fixed Income | |
| Inception | Jan 22, 1993 | Dec 31, 2024 |
SPY vs YFFI Performance
State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Indexperts Yield Focused Fixed Income ETF (YFFI) is a ETF from Indexperts. Over the past year SPY returned +21.53% while YFFI returned +2.34%. Year to date, SPY is up 13.68% versus a loss of 0.32% for YFFI.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.8% for YFFI. 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 -4.3% for YFFI. 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SPY charges 0.09% per year while YFFI charges 0.50%. On a $10,000 position that is $9 vs $50 annually, a gap of $41 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 5.17% for YFFI.
Holdings Overlap
SPY and YFFI share 0 holdings out of 573 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 YFFI?
SPY has an expense ratio of 0.09% while YFFI charges 0.50%. SPY is the cheaper option. On a $10,000 investment, that is $41 per year of difference.
Which performed better, SPY or YFFI?
Over the past year SPY returned +21.53% vs +2.34% for YFFI, so SPY leads on 1-year performance. Over the longest common window we track (2 years), SPY annualized +8.85% vs +3.44% for YFFI. Past performance does not guarantee future results.
Which is riskier, SPY or YFFI?
SPY has been the more volatile fund at 15.3% annualized versus 3.8% for YFFI. Worst drawdown: SPY -56.5% vs YFFI -4.3%.
Should I hold both SPY and YFFI?
SPY and YFFI have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPY and YFFI?
SPY and YFFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 573 unique securities.
Which pays a higher dividend, SPY or YFFI?
SPY yields 1.01% while YFFI yields 5.17%, so YFFI currently pays the higher dividend yield.
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