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Data as of Oct 28, 2026.

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CTJL vs SPY: Differences, Returns & Fees

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CTJL and SPY are measured over different days, and SPY charges 0.09% to CTJL's 0.30%.

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Net assets: $1.3m on Oct 28, 2026 for Corgi U.S. Equities 30% Structured Buffer ETF - July Series, and $814.8bn on Oct 27, 2026 for SPDR S&P 500 ETF Trust.

CTJL on its own →SPY on its own →
At a glance
+2.5%
CTJL total return, since launch, Jul 2, 2026
+13.6%
SPY total return, 1 year
0.30%
CTJL expense ratio
0.09%
SPY expense ratio

Pair scorecard

SPY costs 0.21 points a year less; SPY is far larger, $814.8bn against $1.3m.

CTJL vs SPY: Differences, Returns & Fees
MeasureCTJLSPY
Return
Total return, 1 yearnot published+13.6%
Drawdown
Index fall to the buffer3.1%
Fund price fall to the buffer3.1%
Benchmark
What it tracksSPYS&P 500 Index
The outcome period
Buffer left, in index points30.0% of 30.0%
Days left in the period246
Period endsJun 30, 2027
Cost and size
Expense ratio0.30%0.09%
Net assets, as of Oct 27, 2026$1.3m$814.8bn
Holdings
Holdings in commonnot published
In the S&P 500, by weight100%
Top ten holdings, share of the fund38.1%

Method

Side by side

CTJL Corgi U.S. Equities 30% Structured Buffer ETF - July Series SPY SPDR S&P 500 ETF Trust
Where it sits Buffer ETF Stock ETF
Issuer Corgi State Street
What it is Defined outcome, 30% on SPY Tracks the S&P 500
Total return, 1 year +2.5% (since launch, Jul 2, 2026) +13.6%
Its benchmark over the same days +3.7% (SPY) (since launch, Jul 2, 2026) +13.7% (VOO)
Gap to its benchmark −1.2 pts vs SPY (since launch, Jul 2, 2026) −0.1 pts vs VOO
Expense ratio 0.30% 0.09%
Holdings not read by ETFIQ 504
Net assets, CTJL as of Oct 28, 2026 and SPY as of Oct 27, 2026 $1.3m $814.8bn

CTJL and SPY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

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About each fund
CTJL

The fund's price can fall 3.1% from here before the buffer starts absorbing losses, by the issuer's number. In index terms, SPY can fall 3.1% from today's level to the point where the buffer begins. Protection left, in index points: 30.0% of the 30.0% buffer still sits below today's SPY level. 246 days remained on Oct 27, 2026. On Jun 30, 2027 the period ends and a new cap is set.

SPY

SPY tracks the S&P 500. Over the year to Oct 28, 2026 it returned +13.6% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.09% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 504 positions, with the top ten at 38.1%.

Questions people ask

Are CTJL and SPY in the same category?
CTJL is a buffer ETF and SPY is a stock ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
Which is cheaper, CTJL or SPY?
SPY is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
CTJL vs IVVCTJL vs VOOCTJL vs SPYMPJUN vs SPYPFEB vs SPYPAPR vs SPYPDEC vs SPYPAUG vs SPY
Where to next
CTJL on its own →SPY on its own →Hold both: look the portfolio through →Rankings →SPY dividend history →SPY holdings →Standards and sources →
Sources and dates
CTJL filings on SEC EDGAR ↗
Corgi website ↗
SPY filings on SEC EDGAR ↗
State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

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ETFIQ, CTJL against SPY, data as of Oct 28, 2026. https://etfiq.com/compare/any/ctjl-vs-spy

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