ETF Versus

SPY vs VO

State Street SPDR S&P 500 ETF Trust vs Vanguard Mid-Cap Index Fund ETF Shares

Last updated: 2026-04-02

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
VO Vanguard

Vanguard Mid-Cap Index Fund ETF Shares (VO) is an exchange-traded fund issued by Vanguard that provides exposure to mid-cap U.S. companies balancing growth potential and stability. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.50%. Launched in 2004, the fund has a 22-year track record.

AUM: $90.7B ER: 0.03% Yield: 1.50% Since: Jan 26, 2004

Quick Verdict

VO has a slightly lower expense ratio (0.03% vs 0.09%), saving about $119 per $10,000 over 10 years. Over the past year, SPY has significantly outperformed with a 16.8% return vs 11.4%.

Key Metrics

Metric SPY VO
Expense Ratio 0.09% 0.03%
Dividend Yield 1.1% 1.5%
Fund Family State Street Vanguard
Category US Large Cap Blend US Mid Cap

Performance Chart

Indexed to 100 at start (5-year comparison)

80 99 118 137 156 175 2021-04 2022-06 2023-09 2024-12 2026-04
SPY +61.2%
VO +27.8%

Performance Comparison

Period SPY VO Difference
1 Month -4.54% -5.54% +1.00%
3 Months -4.09% -1.24% -2.85%
6 Months -2.09% -2.10% +0.01%
YTD -4.09% -1.24% -2.85%
1 Year +16.80% +11.38% +5.42%
3 Years +59.45% +37.24% +22.21%
5 Years +61.25% +27.84% +33.41%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SPY Fees VO Fees You Save
$10.000 10 years $179 $60 $119
$10.000 20 years $771 $258 $512
$10.000 30 years $2.486 $835 $1.650
$50.000 10 years $896 $299 $597
$50.000 30 years $12.428 $4.176 $8.252
$100.000 30 years $24.855 $8.352 $16.503

Risk Metrics

Based on 5 years of daily returns

Metric SPY VO
Annualized Volatility 17.1% 17.6%
Max Drawdown -25.4% -28.6%
Sharpe Ratio 0.38 0.11

Dividend Comparison

Metric SPY VO
Annual Dividend (per share) $7.38 $4.33
Dividend Yield 1.13% 1.50%
Distribution Frequency Quarterly Quarterly

Top Holdings

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

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%

VO Top Holdings

NameWeight
Newmont CorporationNEM1.46%
Corning IncorporatedGLW1.20%
Howmet Aerospace Inc.HWM1.09%
Constellation Energy CorporationCEG1.06%
Vertiv Holdings CoVRT0.99%
Western Digital CorporationWDC0.99%
Seagate Technology Holdings plcSTX0.90%
Quanta Services, Inc.PWR0.87%
Cummins Inc.CMI0.83%
CRH plcCRH0.83%

Which One Should You Choose?

Choose VO 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 VO if...

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

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