ETF Versus

GLD vs SPLG

SPDR Gold Shares vs State Street SPDR Portfolio S&P 500 ETF

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: $151.9B ER: 0.40% Yield: 0.00% Since: Nov 18, 2004
SPLG State Street

State Street SPDR Portfolio S&P 500 ETF (SPLG) is an exchange-traded fund issued by State Street that provides exposure to large-cap U.S. equities across growth and value styles. It charges a very low expense ratio of 0.02%. The fund offers a moderate dividend yield of 1.26%. Launched in 2009, the fund has a 17-year track record.

AUM: N/A ER: 0.02% Yield: 1.26% Since: 2009-01-02

Quick Verdict

SPLG is significantly cheaper at 0.02% vs 0.40% expense ratio, saving you approximately $746 per $10,000 invested over 10 years. Over the past year, GLD has significantly outperformed with a 52.3% return vs 16.0%. Income investors may prefer SPLG for its higher yield (1.3% vs 0.0%).

Key Metrics

Metric GLD SPLG
Expense Ratio 0.40% 0.02%
Dividend Yield 0.0% 1.3%
Fund Family State Street State Street
Category Gold US Large Cap Blend

Performance Chart

Indexed to 100 at start (5-year comparison)

85 127 169 211 253 295 2021-04 2022-06 2023-09 2024-12 2026-04
GLD +170.4%
SPLG +60.2%

Performance Comparison

Period GLD SPLG Difference
1 Month -10.65% -5.24% -5.41%
3 Months +9.93% -4.79% +14.72%
6 Months +22.42% -2.78% +25.20%
YTD +9.93% -4.79% +14.72%
1 Year +52.25% +15.99% +36.26%
3 Years +137.25% +58.37% +78.88%
5 Years +170.39% +60.23% +110.16%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period GLD Fees SPLG Fees You Save
$10.000 10 years $786 $40 $746
$10.000 20 years $3.334 $172 $3.161
$10.000 30 years $10.601 $558 $10.043
$50.000 10 years $3.932 $200 $3.732
$50.000 30 years $53.003 $2.788 $50.215
$100.000 30 years $106.005 $5.575 $100.430

Risk Metrics

Based on 5 years of daily returns

Metric GLD SPLG
Annualized Volatility 17.8% 16.8%
Max Drawdown -21.0% -25.4%
Sharpe Ratio 0.96 0.38

Dividend Comparison

Metric GLD SPLG
Annual Dividend (per share) $0.00 $0.88
Dividend Yield 0.00% 1.16%
Distribution Frequency None Quarterly

Which One Should You Choose?

Choose SPLG 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.

Choose SPLG if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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