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Data as of Oct 28, 2026.

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SPYD vs USO: Differences, Returns & Fees

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SPYD is an equity index fund and USO a commodity futures fund, and over the year to Oct 28, 2026, USO returned +133.3% against +15.3%.

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Net assets: $7.5bn on Oct 27, 2026 for State Street SPDR Portfolio S&P 500 High Dividend ETF, and $1.9bn on Oct 28, 2026 for United States Oil Fund, LP.

SPYD on its own →USO on its own →
At a glance
+15.3%
SPYD total return, 1 year
+133.3%
USO total return, 1 year
0.07%
SPYD expense ratio
0.86%
USO expense ratio

Pair scorecard

SPYD costs 0.79 points a year less; their one-year returns differ by 118.0 points; SPYD is 3.9 times larger.

SPYD vs USO: Differences, Returns & Fees
MeasureSPYDUSO
Return
Total return, 1 year+15.3%+133.3%
Drawdown
Below its high4.1%, high on Aug 24, 202682.3%, high on Jul 14, 2008
Benchmark
What it tracksS&P 500 High Dividend IndexOil futures
Cost and size
Expense ratio0.07%0.86%
Net assets, as of Oct 27, 2026$7.5bn$1.9bn
Holdings
Holdings in commonnot published
In the S&P 500, by weight99%
Top ten holdings, share of the fund16.1%

Method

Side by side

SPYD State Street SPDR Portfolio S&P 500 High 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 500 High Dividend Holds oil futures
Total return, 1 year +15.3% +133.3%
Expense ratio 0.07% 0.86%
Holdings 79 not counted
Net assets, SPYD as of Oct 27, 2026 and USO as of Oct 28, 2026 $7.5bn $1.9bn

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

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About each fund
SPYD

SPYD tracks the S&P 500 High Dividend. Over the year to Oct 28, 2026 it returned +15.3% with distributions reinvested. The prospectus expense ratio is 0.07% a year. By its holdings published by its issuer for Oct 27, 2026, 99% of the fund by weight is stocks the S&P 500 also holds, across 79 positions, with the top ten at 16.1%. It sat 4.1% below its high of Aug 24, 2026 on Oct 28, 2026.

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, SPYD or USO?
In the year to Oct 28, 2026, with distributions reinvested, SPYD returned +15.3% and USO +133.3%.
Which is cheaper, SPYD or USO?
SPYD is cheaper, by 0.79 percentage points a year. That is about $79 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BWET vs SPYDGLD vs SPYDSLV vs SPYDGLDM vs SPYDCGDV vs USODGRO vs USOUSO vs VLUEFDVV vs USO
Where to next
SPYD on its own →USO on its own →Hold both: look the portfolio through →Rankings →SPYD dividend history →SPYD holdings →Standards and sources →
Sources and dates
SPYD filings on SEC EDGAR ↗
SPYD prospectus with the expense ratio (SEC) ↗
State Street website ↗
USCF website ↗

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

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

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