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Data as of Oct 28, 2026.

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SPY vs VTIP: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SPY returned +13.6% to VTIP's +2.2%; 0% of their weight is in the same names.

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Net assets: $814.8bn on Oct 27, 2026 for SPDR S&P 500 ETF Trust, and $20.9bn on Sep 30, 2026 for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares.

SPY on its own →VTIP on its own →
At a glance
+13.6%
SPY total return, 1 year
+2.2%
VTIP total return, 1 year
0.09%
SPY expense ratio
0.03%
VTIP expense ratio

Pair scorecard

VTIP costs 0.06 points a year less; their one-year returns differ by 11.4 points; SPY is far larger, $809.2bn against $20.9bn.

SPY vs VTIP: Differences, Returns & Fees
MeasureSPYVTIP
Return
Total return, 1 year+13.6%+2.2%
Benchmark
What it tracksS&P 500 IndexBloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index
Cost and size
Expense ratio0.09%0.03%
Net assets, as of Sep 30, 2026$809.2bn$20.9bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund38.1%

Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, SPY and VTIP hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first SPY VTIP
Only in one fund ↓
Only in SPY
NVIDIA CORP 7.92%
APPLE INC 7.61%
MICROSOFT CORP 5.93%
AMAZON.COM INC 3.73%
ALPHABET INC CL A 2.83%
BROADCOM INC 2.45%
ALPHABET INC CL C 2.26%
META PLATFORMS INC CLASS A 2.06%
Only in VTIP
United States Treasury Inflation Indexed Bonds 5.30%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.14%
United States Treasury Inflation Indexed Bonds 4.97%
United States Treasury Inflation Indexed Bonds 4.96%
United States Treasury Inflation Indexed Bonds 4.87%
United States Treasury Inflation Indexed Bonds 4.83%
Check overlap with more funds →

Side by side

SPY SPDR S&P 500 ETF Trust VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares
Where it sits Stock ETF Bond ETF
Issuer State Street Vanguard
What it is Tracks the S&P 500 Tracks an index of Short-Term Inflation-Protected Securities
Total return, 1 year +13.6% +2.2%
Its benchmark over the same days +13.7% (VOO) not measured
Gap to its benchmark −0.1 pts vs VOO not measured
Expense ratio 0.09% 0.03%
Holdings 504 26
Net assets, SPY as of Oct 27, 2026 and VTIP as of Sep 30, 2026 $814.8bn $20.9bn

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

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About each fund
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%.

VTIP

VTIP tracks an index of Short-Term Inflation-Protected Securities. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested. The prospectus expense ratio is 0.03% a year.

Questions people ask

Which returned more over the last year, SPY or VTIP?
In the year to Oct 28, 2026, with distributions reinvested, SPY returned +13.6% and VTIP +2.2%.
Which is cheaper, SPY or VTIP?
VTIP is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BINC vs SPYSPY vs USHYSPY vs TIPEMB vs SPYIVV vs VTIPVTI vs VTIPVOO vs VTIPSPYM vs VTIP
Where to next
SPY on its own →VTIP on its own →Hold both: look the portfolio through →Rankings →SPY dividend history →SPY holdings →VTIP dividend history →VTIP holdings →Standards and sources →
Sources and dates
SPY filings on SEC EDGAR ↗
State Street website ↗
VTIP filings on SEC EDGAR ↗
VTIP prospectus with the expense ratio (SEC) ↗
Vanguard page for VTIP ↗

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.

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

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