Which returned more over the last year, ITOT or SDY?

In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and SDY +16.5%.

Which is cheaper, ITOT or SDY?

ITOT is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do ITOT and SDY overlap with the S&P 500?

By their latest filed holdings, 88% of ITOT and 84% of SDY by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

ITOT vs SDY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, ITOT returned +13.4% to SDY's +16.5%; 14% of their weight is in the same names.

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Net assets on Oct 27, 2026: $97.1bn for iShares Core S&P Total U.S. Stock Market ETF and $21.9bn for State Street SPDR S&P Dividend ETF.

ITOT on its own →SDY on its own →

At a glance

+13.4%

ITOT total return, 1 year

+16.5%

SDY total return, 1 year

0.03%

ITOT expense ratio

0.35%

SDY expense ratio

Pair scorecard

ITOT costs 0.32 points a year less; their one-year returns differ by 3.1 points; ITOT is 4.4 times larger.

ITOT vs SDY: Differences, Returns & Fees
Measure	ITOT	SDY
Return
Measure	ITOT	SDY
Total return, 1 year	+13.4%	+16.5%
Benchmark
Measure	ITOT	SDY
What it tracks	S&P Total Market Index (TMI)	S&P High Yield Dividend Aristocrats Index
Cost and size
Measure	ITOT	SDY
Expense ratio	0.03%	0.35%
Net assets, as of Oct 27, 2026	$97.1bn	$21.9bn
Holdings
Measure	ITOT	SDY
Holdings in common	14%
Top ten holdings, share of the fund	33.9%	20.4%

Holdings in common uses holdings dated Oct 27, 2026. Method

Risk and return

Nov 25, 2005 to Oct 23, 2026 · 1,091 weekly returns

ITOT SDY

Return

Total return edge ITOT +742.8% +506.8%

Annualized edge ITOT +10.7% +9.0%

Price return edge ITOT +486.2% +188.8%

Risk

Volatility edge Tie 17.8% 17.5%

Max drawdown edge Tie −54.7% −54.4%

Risk-adjusted

Sharpe edge ITOT 0.56 0.48

Sortino edge ITOT 0.80 0.68

Calmar edge ITOT 0.20 0.16

Reading

ITOT returned more: +742.8% to +506.8%. ITOT and SDY swung about the same: 17.8% and 17.5%. ITOT and SDY fell about the same at their worst: −54.7% and −54.4%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: ITOT vs SDY: Differences, Returns & Fees
Measure	ITOT	SDY	Edge	How it is measured
Return
Total return	+742.8%	+506.8%	ITOT	Price change plus distributions, reinvested.
Annualized	+10.7%	+9.0%	ITOT	Total return as a yearly rate.
Price return	+486.2%	+188.8%	ITOT	Price change alone, distributions left out.
Risk
Volatility	17.8%	17.5%	Tie	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	12.6%	12.3%	SDY (slight)	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−54.7%	−54.4%	Tie	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.56	0.48	ITOT	Return above Treasury bills per unit of volatility.
Sortino	0.80	0.68	ITOT	Return above Treasury bills per unit of downside deviation.
Calmar	0.20	0.16	ITOT	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,091 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

14%

By the books each fund has filed, ITOT and SDY hold 14% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

14% in common

Positions both hold · largest shared weight first ITOT SDY

EXXONMOBIL HOLDINGS CORP 0.99% 1.49%

JOHNSON & JOHNSON 0.87% 0.94%

ABBVIE 0.68% 1.32%

CHEVRON 0.60% 2.15%

MICROSOFT 5.28% 0.56%

PROCTER & GAMBLE 0.50% 1.34%

COCA-COLA 0.47% 1.23%

WALMART 0.71% 0.40%

TEXAS INSTRUMENT 0.38% 0.85%

INTERNATIONAL BUSINESS MACHINES CO 0.32% 1.24%

LINDE PLC 0.31% 0.52%

COSTCO WHOLESALE CORP 0.59% 0.28%

Only in one fund ↓

Only in ITOT

NVIDIA 7.06%

APPLE 6.78%

AMAZON.COM INC 3.32%

ALPHABET CLASS A 2.52%

BROADCOM INC 2.18%

ALPHABET CLASS C 2.02%

META PLATFORMS CLASS A 1.83%

TESLA INC 1.54%

Only in SDY

S+P500 EMINI FUT DEC26 0.00%

Check overlap with more funds →

Side by side

ITOT iShares Core S&P Total U.S. Stock Market ETF SDY State Street SPDR S&P Dividend ETF

Where it sits Stock ETF Stock ETF

Issuer iShares State Street

What it is Tracks the S&P Total U.S. Stock Market Tracks the S&P Dividend

Total return, 1 year +13.4% +16.5%

Expense ratio 0.03% 0.35%

Already in the S&P 500 88.1% 84.4%

Holdings 2443 156

Net assets, as of Oct 27, 2026 $97.1bn $21.9bn

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

Client brief · page 1 of 2 Report BR-71E040A674

ITOT and SDY do different jobs. What does each one do in a portfolio?

What each follows. ITOT follows S&P Total Market Index (TMI) and SDY follows S&P High Yield Dividend Aristocrats Index.
Holdings in common. 14% of the weight is in the same securities (holdings dated Oct 27, 2026).
One-year total return. Over 1 year to Oct 28, 2026 ITOT returned +13.4% and SDY +16.5% with distributions reinvested, a gap of 3.1 points.

Data as of Oct 28, 2026.

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About each fund

ITOT

ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.

SDY

SDY tracks the S&P Dividend. Over the year to Oct 28, 2026 it returned +16.5% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 84% of the fund by weight is stocks the S&P 500 also holds, across 156 positions, with the top ten at 20.4%.

Questions people ask

Which returned more over the last year, ITOT or SDY?: In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and SDY +16.5%.
Which is cheaper, ITOT or SDY?: ITOT is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do ITOT and SDY overlap with the S&P 500?: By their latest filed holdings, 88% of ITOT and 84% of SDY by weight is stocks the S&P 500 already holds.

Other comparisons

ITOT vs RSP ITOT vs NOBL ITOT vs VOE DVY vs ITOT SDY vs VIG SCHX vs SDY SDY vs SPYM IWB vs SDY

Where to next

ITOT on its own →SDY on its own →Hold both: look the portfolio through →Rankings →ITOT dividend history →ITOT holdings →SDY dividend history →SDY holdings →Standards and sources →

Sources and dates

ITOT filings on SEC EDGAR ↗

ITOT prospectus with the expense ratio (SEC) ↗

iShares page for ITOT ↗

SDY filings on SEC EDGAR ↗

SDY prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. 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, ITOT against SDY, data as of Oct 28, 2026. https://etfiq.com/compare/any/itot-vs-sdy

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