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OEF vs SPY: Differences, Returns & Fees

OEF and SPY hold 74% of their weight in the same names. Net assets: $20.8bn on Oct 9, 2026 for iShares S&P 100 ETF, and $817.2bn on Oct 8, 2026 for SPDR S&P 500 ETF Trust.

SPY costs 0.11 points a year less; their one-year returns differ by 0.5 points; SPY is far larger, $817.2bn against $20.7bn.

OEF vs SPY: Differences, Returns & Fees
OEFSPY
Expense ratio0.20%0.09%
Net assets, as of Oct 8, 2026$20.7bn$817.2bn
Total return, 1 year+16.8%+17.3%
What it tracksS&P 100S&P 500 Index
Holdings in common74%
Top ten holdings, share of the fund52.6%39.1%

Holdings in common uses holdings dated Oct 8, 2026 and Oct 9, 2026.

+16.8%
OEF total return, 1 year
+17.3%
SPY total return, 1 year
0.20%
OEF expense ratio
0.09%
SPY expense ratio

What they hold in common

By the books each fund has filed, OEF and SPY hold 74% 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 Oct 8, 2026 and Oct 9, 2026.

half

74% in common

Positions both hold, largest shared weight first
Holding OEF SPY
NVIDIA 11.11% 8.34%
APPLE 9.84% 7.42%
MICROSOFT 7.96% 5.80%
AMAZON.COM INC 5.16% 3.73%
ALPHABET CLASS A 4.13% 3.06%
BROADCOM INC 3.45% 2.56%
ALPHABET CLASS C 3.31% 2.45%
META PLATFORMS CLASS A 3.17% 2.38%
MICRON TECHNOLOGY 2.33% 1.75%
TESLA INC 2.16% 1.58%
ADVANCED MICRO DEVICES 1.99% 1.51%
BERKSHIRE HATHAWAY INC CLASS B 1.92% 1.42%
Only in OEF
S&P500 EMINI DEC 26 0.00%
Only in SPY
CROWDSTRIKE HOLDINGS INC A 0.40%
KLA CORP 0.38%
MARVELL TECHNOLOGY INC 0.36%
AMPHENOL CORP CL A 0.32%
ANALOG DEVICES INC 0.30%
SEAGATE TECHNOLOGY HOLDINGS 0.26%
EATON CORP PLC 0.25%
WELLTOWER INC 0.24%

Check overlap with more funds →

On the same fields

OEF
iShares S&P 100 ETF
SPY
SPDR S&P 500 ETF Trust
Where it sits Stock ETF Stock ETF
Issuer iShares State Street
What it is Tracks an index Tracks the S&P 500
Total return, 1 year +16.8% +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 0.20% 0.09%
Already in the S&P 500 99.9% 99.8%
Holdings 102 504
Net assets, OEF as of Oct 9, 2026 and SPY as of Oct 8, 2026 $20.8bn $817.2bn

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

About OEF

OEF tracks an index. Over the year to Oct 9, 2026 it returned +16.8% with distributions reinvested. The prospectus expense ratio is 0.20% a year. By its holdings published by its issuer for Oct 9, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 102 positions, with the top ten at 52.6%.

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. The prospectus expense ratio is 0.09% a year. 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 returned more over the last year, OEF or SPY?
In the year to Oct 9, 2026, with distributions reinvested, OEF returned +16.8% and SPY +17.3%.
Which is cheaper, OEF or SPY?
SPY is cheaper, by 0.11 percentage points a year. That is about $11 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do OEF and SPY overlap with the S&P 500?
By their latest filed holdings, 100% of OEF and 100% of SPY by weight is stocks the S&P 500 already holds.
Other comparisons
OEF vs VOOIOO vs OEFOEF vs TCAFOEF vs VONESPY vs USMVRDVY vs SPYDGRW vs SPYAVUS vs SPY
OEF on its own →SPY on its own →Hold both: look the portfolio through →Rankings →Standards and sources →
Where these figures came from
OEF filings on SEC EDGAR ↗OEF prospectus with the expense ratio (SEC) ↗iShares page for OEF ↗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, OEF against SPY, data as of Oct 9, 2026. https://etfiq.com/compare/any/oef-vs-spy

Open data

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