SPY vs ZCBF

SPY vs ZCBF
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Quick Verdict

ZCBF has a lower expense ratio. SPY offers more diversification with 505 holdings.

Lower Fees: ZCBFHigher Returns: TiedMore Diversified: SPY

Side-by-Side Comparison

MetricSPYZCBFWinner
Expense Ratio0.09%0.07%
AUM$821.1B$970,301.99
Dividend Yield1.01%2.09%
Holdings5056
YTD Return+12.22%-1.28%
1Y Return+20.83%-
3Y Return (annualized)+21.70%-
5Y Return (annualized)+12.98%-
Volatility (annualized)15.3%-
Max Drawdown-56.5%-4.7%
Fund FamilyState Street Investment ManagementGlobal X by mirae Asset
CategoryEquityFixed Income
InceptionJan 22, 1993Jan 6, 2026

SPY vs ZCBF Performance

State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Global X Zero Coupon Bond 2034 ETF (ZCBF) is a ETF from Global X by mirae Asset. Year to date, SPY is up 12.22% versus a loss of 1.28% for ZCBF.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -56.5% for SPY and -4.7% for ZCBF. 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 ZCBF charges 0.07%. On a $10,000 position that is $9 vs $7 annually, a gap of $2 per year that compounds over a long holding period. On income, SPY currently yields 1.01% against 2.09% for ZCBF.

Frequently Asked Questions

Which is cheaper, SPY or ZCBF?

SPY has an expense ratio of 0.09% while ZCBF charges 0.07%. ZCBF is the cheaper option. On a $10,000 investment, that is $2 per year of difference.

Which pays a higher dividend, SPY or ZCBF?

SPY yields 1.01% while ZCBF yields 2.09%, so ZCBF currently pays the higher dividend yield.

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