ETF Versus

GLD vs MDY

SPDR Gold Shares vs State Street SPDR S&P MIDCAP 400 ETF Trust

Last updated: 2026-04-02

GLD State Street

SPDR Gold Shares (GLD) is an exchange-traded fund issued by State Street that provides exposure to gold securities. It charges an above-average expense ratio of 0.40%. Launched in 2004, the fund has a 22-year track record.

AUM: N/A ER: 0.40% Yield: N/A Since: 2004-11-18
MDY State Street

State Street SPDR S&P MIDCAP 400 ETF Trust (MDY) is an exchange-traded fund issued by State Street that provides exposure to mid-cap U.S. companies balancing growth potential and stability. It charges a moderate expense ratio of 0.24%. The fund offers a moderate dividend yield of 1.15%. Launched in 1995, the fund has a 31-year track record.

AUM: $24.2B ER: 0.24% Yield: 1.15% Since: 1995-05-04

Quick Verdict

MDY is significantly cheaper at 0.24% vs 0.40% expense ratio, saving you approximately $311 per $10,000 invested over 10 years. Over the past year, GLD has significantly outperformed with a 48.9% return vs 13.9%.

Key Metrics

Metric GLD MDY
Expense Ratio 0.40% 0.24%
Dividend Yield N/A 1.1%
Fund Family State Street State Street
Category Gold US Mid Cap

Performance Chart

Indexed to 100 at start (5-year comparison)

80 123 166 209 252 295 2021-04 2022-06 2023-10 2024-12 2026-04
GLD +164.9%
MDY +27.8%

Performance Comparison

Period GLD MDY Difference
1 Month -8.37% -4.04% -4.33%
3 Months +7.70% +1.57% +6.13%
6 Months +17.72% +3.21% +14.51%
YTD +7.70% +1.57% +6.13%
1 Year +48.86% +13.95% +34.91%
3 Years +132.44% +35.56% +96.88%
5 Years +164.91% +27.83% +137.08%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period GLD Fees MDY Fees You Save
$10,000 10 years $786 $475 $311
$10,000 20 years $3,334 $2,028 $1,305
$10,000 30 years $10,601 $6,497 $4,104
$50,000 10 years $3,932 $2,375 $1,557
$50,000 30 years $53,003 $32,483 $20,519
$100,000 30 years $106,005 $64,967 $41,038

Risk Metrics

Based on 5 years of daily returns

Metric GLD MDY
Annualized Volatility 17.8% 19.8%
Max Drawdown -21.0% -24.5%
Sharpe Ratio 0.94 0.12

Dividend Comparison

Metric GLD MDY
Annual Dividend (per share) $0.00 $7.12
Dividend Yield 0.00% 1.15%
Distribution Frequency None Quarterly

Top Holdings

MDY Top Holdings

NameWeight
Ciena Corp102.57%
Coherent Corp90.18%
Lumentum Holdings Inc81.25%
Flex Ltd69.47%
Twilio Inc67.05%
United Therapeutics Corp65.23%
Pure Storage Inc65.05%
Casey's General Stores Inc63.89%
Curtiss-Wright Corp63.20%
Illumina Inc62.31%

Which One Should You Choose?

Choose MDY if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose GLD if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

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