Which is cheaper, FINA or SPY?

Neither: FINA and SPY both charge 0.09% a year. Fees come from each fund's prospectus.

How much do FINA and SPY overlap with the S&P 500?

By their latest filed holdings, 94% of FINA and 100% of SPY by weight is stocks the S&P 500 already holds.

FINA vs SPY: Differences, Returns & Fees

FINA and SPY hold 82% of their weight in the same names. Net assets: $2.1bn on Sep 30, 2026 for Fidelity MSCI North American Subset Index ETF, and $817.2bn on Oct 8, 2026 for SPDR S&P 500 ETF Trust.

Both cost 0.09% a year; SPY is far larger, $809.2bn against $2.1bn.

Points (pts) are percentage points.

FINA vs SPY: Differences, Returns & Fees
	FINA	SPY
Expense ratio	0.09%	0.09%
Net assets, as of Sep 30, 2026	$2.1bn	$809.2bn
Total return, 1 year	not published	+17.3%
What it tracks	not published	S&P 500 Index
Holdings in common	82%
Top ten holdings, share of the fund	35.0%	39.1%

Holdings in common uses holdings dated Jul 31, 2026 and Oct 8, 2026.

+3.9%

FINA total return, since launch, Jul 9, 2026

+17.3%

SPY total return, 1 year

0.09%

FINA expense ratio

0.09%

SPY expense ratio

What they hold in common

By the books each fund has filed, FINA and SPY hold 82% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated Jul 31, 2026 and Oct 8, 2026.

50%

half

82% in common

Positions both hold, largest shared weight first

Holding FINA SPY

NVIDIA CORP 6.83% 8.34%

APPLE INC 6.69% 7.42%

MICROSOFT CORP 4.86% 5.80%

AMAZON.COM INC 3.87% 3.73%

ALPHABET INC 3.39% 3.06%

BROADCOM INC 2.58% 2.56%

ALPHABET INC 2.09% 2.45%

META PLATFORMS INC 1.82% 2.38%

MICRON TECHNOLOGY INC 1.39% 1.75%

ELI LILLY and CO 1.37% 1.40%

JPMORGAN CHASE and CO 1.42% 1.32%

TESLA INC 1.30% 1.58%

Only in FINA

ROYAL BANK OF CANADA 0.51%

THE TORONTO DOMINION BANK 0.36%

BANK OF MONTREAL QUE 0.26%

SHOPIFY INC 0.24%

THE BANK OF NOVA SCOTIA 0.24%

ENBRIDGE INC 0.23%

WHEATON PRECIOUS METALS CORP 0.23%

CANADIAN IMPERIAL BANK OF COMMERCE 0.23%

Only in SPY

BERKSHIRE HATHAWAY INC CL B 1.42%

SANDISK CORP 0.35%

MARATHON PETROLEUM CORP 0.19%

VALERO ENERGY CORP 0.19%

PHILLIPS 66 0.17%

SOUTHERN CO/THE 0.15%

DUKE ENERGY CORP 0.14%

MODERNA INC 0.11%

Check overlap with more funds →

On the same fields

FINA

Fidelity MSCI North American Subset Index ETF

SPY

SPDR S&P 500 ETF Trust

Where it sits Stock ETF Stock ETF

Issuer Fidelity State Street

What it is Equity fund Tracks the S&P 500

Total return, 1 year +3.9% (since launch, Jul 9, 2026) +17.3%

Its benchmark over the same days not published +17.3% (VOO)

Gap to its benchmark not available −0.1 pts vs VOO

Expense ratio 0.09% 0.09%

Already in the S&P 500 93.6% 99.8%

Holdings 274 504

Net assets, FINA as of Sep 30, 2026 and SPY as of Oct 8, 2026 $2.1bn $817.2bn

FINA and SPY on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

About FINA

The prospectus expense ratio is 0.09% a year. By its holdings filed for Jul 31, 2026, 94% of the fund by weight is stocks the S&P 500 also holds, across 274 positions, with the top ten at 35.0%.

About SPY

SPY tracks the S&P 500. Over the year to Oct 9, 2026 it returned +17.3% with distributions reinvested, against +17.3% for its benchmark, the S&P 500 Index. By its holdings published by its issuer for Oct 8, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 504 positions, with the top ten at 39.1%.

Questions people ask

Which is cheaper, FINA or SPY?: Neither: FINA and SPY both charge 0.09% a year. Fees come from each fund's prospectus.
How much do FINA and SPY overlap with the S&P 500?: By their latest filed holdings, 94% of FINA and 100% of SPY by weight is stocks the S&P 500 already holds.

Other comparisons

FINA vs IVV FINA vs VTI FINA vs VOO FINA vs SPYM GSEW vs SPY SPY vs TMFC SPY vs USPX SPY vs TILT

FINA on its own →SPY on its own →Hold both: look the portfolio through →Rankings →Standards and sources →

Where these figures came from

FINA filings on SEC EDGAR ↗FINA prospectus with the expense ratio (SEC) ↗Fidelity website ↗SPY filings on SEC EDGAR ↗State Street website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, FINA against SPY, data as of Oct 9, 2026. https://etfiq.com/compare/any/fina-vs-spy

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.