ETF Versus

RSP vs SPY

Invesco S&P 500 Equal Weight ETF vs State Street SPDR S&P 500 ETF Trust

Last updated: 2026-04-02

RSP Invesco

Invesco S&P 500 Equal Weight ETF (RSP) is an exchange-traded fund issued by Invesco that provides exposure to large-cap U.S. equities across growth and value styles. It charges a moderate expense ratio of 0.20%. The fund offers a moderate dividend yield of 1.62%. Launched in 2003, the fund has a 23-year track record.

AUM: $84.5B ER: 0.20% Yield: 1.62% Since: Apr 24, 2003
SPY State Street

State Street SPDR S&P 500 ETF Trust (SPY) 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 low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.13%. Launched in 1993, the fund has a 33-year track record.

AUM: $636.7B ER: 0.09% Yield: 1.13% Since: Jan 22, 1993

Quick Verdict

SPY is significantly cheaper at 0.09% vs 0.20% expense ratio, saving you approximately $217 per $10,000 invested over 10 years. Over the past year, SPY has significantly outperformed with a 16.8% return vs 11.0%.

Key Metrics

Metric RSP SPY
Expense Ratio 0.20% 0.09%
Dividend Yield 1.6% 1.1%
Fund Family Invesco State Street
Category US Large Cap Blend US Large Cap Blend

Performance Chart

Indexed to 100 at start (5-year comparison)

85 103 121 139 157 175 2021-04 2022-06 2023-09 2024-12 2026-04
RSP +33.4%
SPY +61.2%

Performance Comparison

Period RSP SPY Difference
1 Month -5.89% -4.54% -1.35%
3 Months -0.17% -4.09% +3.92%
6 Months +0.67% -2.09% +2.76%
YTD -0.17% -4.09% +3.92%
1 Year +11.03% +16.80% -5.77%
3 Years +33.02% +59.45% -26.43%
5 Years +33.36% +61.25% -27.89%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period RSP Fees SPY Fees You Save
$10.000 10 years $396 $179 $217
$10.000 20 years $1.696 $771 $926
$10.000 30 years $5.443 $2.486 $2.957
$50.000 10 years $1.982 $896 $1.086
$50.000 30 years $27.214 $12.428 $14.787
$100.000 30 years $54.428 $24.855 $29.573

Risk Metrics

Based on 5 years of daily returns

Metric RSP SPY
Annualized Volatility 16.2% 17.1%
Max Drawdown -22.5% -25.4%
Sharpe Ratio 0.16 0.38

Dividend Comparison

Metric RSP SPY
Annual Dividend (per share) $3.12 $7.38
Dividend Yield 1.62% 1.13%
Distribution Frequency Quarterly Quarterly

Top Holdings

0 of top 9 holdings overlap (0% overlap in top holdings)

RSP Top Holdings

NameWeight
APA CorporationAPA0.28%
LyondellBasell Industries N.V.LYB0.25%
Dow Inc.DOW0.25%
Occidental Petroleum CorporationOXY0.25%
CF Industries Holdings, Inc.CF0.24%
Coterra Energy Inc.CTRA0.24%
Devon Energy CorporationDVN0.24%
ConocoPhillipsCOP0.24%
EOG Resources, Inc.EOG0.24%
Exxon Mobil CorporationXOM0.24%

SPY Top Holdings

NameWeight
NVIDIA CorporationNVDA7.58%
Apple Inc.AAPL6.66%
Microsoft CorporationMSFT4.91%
Amazon.com, Inc.AMZN3.64%
Broadcom Inc.AVGO2.62%
Alphabet Inc.GOOG2.40%
Meta Platforms, Inc.META2.24%
Tesla, Inc.TSLA1.87%
Berkshire Hathaway Inc.BRK.B1.57%

Which One Should You Choose?

Choose SPY if...

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

Choose SPY if...

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

Choose RSP if...

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

Either works if...

you just need broad us large cap blend exposure. Both are solid options — pick whichever your brokerage offers commission-free.

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