SPY vs ZCBG

SPY vs ZCBG
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Quick Verdict

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

Lower Fees: ZCBGHigher Returns: TiedMore Diversified: SPY

Side-by-Side Comparison

MetricSPYZCBGWinner
Expense Ratio0.09%0.07%
AUM$821.1B$969,200
Dividend Yield1.01%2.14%
Holdings5056
YTD Return+12.68%-1.72%
1Y Return+21.82%-
3Y Return (annualized)+21.98%-
5Y Return (annualized)+12.89%-
Volatility (annualized)15.3%-
Max Drawdown-56.5%-5.1%
Fund FamilyState Street Investment ManagementGlobal X by mirae Asset
CategoryEquityFixed Income
InceptionJan 22, 1993Jan 6, 2026

SPY vs ZCBG Performance

State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management and Global X Zero Coupon Bond 2035 ETF (ZCBG) is a ETF from Global X by mirae Asset. Year to date, SPY is up 12.68% versus a loss of 1.72% for ZCBG.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -56.5% for SPY and -5.1% for ZCBG. 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 ZCBG 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 2.14% for ZCBG.

Frequently Asked Questions

Which is cheaper, SPY or ZCBG?

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

Which pays a higher dividend, SPY or ZCBG?

SPY yields 1.01% while ZCBG yields 2.14%, so ZCBG currently pays the higher dividend yield.

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