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

In the year to Oct 28, 2026, with distributions reinvested, SDY returned +16.5% and USO +133.3%.

Which is cheaper, SDY or USO?

SDY is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

SDY vs USO: Differences, Returns & Fees

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SDY is an equity index fund and USO a commodity futures fund, and over the year to Oct 28, 2026, USO returned +133.3% against +16.5%.

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Net assets: $21.9bn on Oct 27, 2026 for State Street SPDR S&P Dividend ETF, and $1.9bn on Oct 28, 2026 for United States Oil Fund, LP.

SDY on its own →USO on its own →

At a glance

+16.5%

SDY total return, 1 year

+133.3%

USO total return, 1 year

0.35%

SDY expense ratio

0.86%

USO expense ratio

Pair scorecard

SDY costs 0.51 points a year less; their one-year returns differ by 116.8 points; SDY is 11.5 times larger.

SDY vs USO: Differences, Returns & Fees
Measure	SDY	USO
Return
Measure	SDY	USO
Total return, 1 year	+16.5%	+133.3%
Drawdown
Measure	SDY	USO
Below its high		82.3%, high on Jul 14, 2008
Benchmark
Measure	SDY	USO
What it tracks	S&P High Yield Dividend Aristocrats Index	Oil futures
Cost and size
Measure	SDY	USO
Expense ratio	0.35%	0.86%
Net assets, as of Oct 27, 2026	$21.9bn	$1.9bn
Holdings
Measure	SDY	USO
Holdings in common	not published
In the S&P 500, by weight	84%
Top ten holdings, share of the fund	20.4%

Method

Side by side

SDY State Street SPDR S&P Dividend ETF USO United States Oil Fund, LP

Where it sits Stock ETF Commodity ETF

Issuer State Street USCF

What it is Tracks the S&P Dividend Holds oil futures

Total return, 1 year +16.5% +133.3%

Expense ratio 0.35% 0.86%

Holdings 156 not counted

Net assets, SDY as of Oct 27, 2026 and USO as of Oct 28, 2026 $21.9bn $1.9bn

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

Alert

About each fund

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%.

USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, SDY or USO?: In the year to Oct 28, 2026, with distributions reinvested, SDY returned +16.5% and USO +133.3%.
Which is cheaper, SDY or USO?: SDY is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

BWET vs SDY SDY vs SLV SDY vs SIVR GLDM vs SDY DVY vs USO NOBL vs USO RSP vs USO USO vs VOE

Where to next

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

Sources and dates

SDY filings on SEC EDGAR ↗

SDY prospectus with the expense ratio (SEC) ↗

State Street website ↗

USCF website ↗

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

Cite this pageCitation, APA and Markdown

ETFIQ, SDY against USO, data as of Oct 28, 2026. https://etfiq.com/compare/any/sdy-vs-uso

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