Compare · 3 funds side by side · dividends reinvested

HARD, SPYM and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,164SPYM · best of the three

02 / 04

HARD, SPYM and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Portfolio S&P 500 ETFLow-Cost Core · S&P 5000.02%1.06%+8.4%+9.8%+22.1%+11.4%−8.9%13.6%$182B1.5

Simplify Commodities Strategy No K-1 ETFCommodities · Broad basket0.90%3.76%+10.7%+12.3%+13.8%[…]−21.0%30.1%$51M2.1

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$819B2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: HARD 2023 · SPYM 2005 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Simplify Commodities Strategy No K-1 ETF · $51M[…]

HARD

SPYM

State Street SPDR Portfolio S&P 500 ETF · $182B$17,164

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

HARDMeasureSPYM

+10.7%Year to dateJan 1 → Nov 5+8.4%

+12.3%1 yearTotal return+9.8%

+13.8%3 years · per year$10,000 became $14,755 · $18,222+22.1%

[…]5 years · per year$10,000 became […] · $17,164+11.4%

0.90%Expense ratio$90 · $2 a year on $10k · lower is better0.02%

3.76%Trailing 12-mo yield$376 · $106 a year on $10k1.06%

−21.0%Worst dropSmaller is better−8.9%

30.1%VolatilityLower is calmer13.6%

HARDSPYM Winner of the row, in its colourEach row: the bigger of the two fills its side

3–4SPYM wins

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HARD vs SPYM: Top 5 Holdings

Today

HARD

43.3%in top 5

SPYM

in top 527.7%

HARDStockSPYM

43.3%SBILnot top 5

not top 5AAPL7.7%

not top 5NVDA7.3%

not top 5MSFT6.2%

not top 5AMZN3.9%

not top 5GOOGL2.6%

Held in common0.0%

End-of-day Nov 5, 2026 · share of each fund

HARD vs SPYM Returns, Every Period

SimplifyHARD

+12.3%

past year

SPYMSPDR

+9.8%

past year

HARDSPYMFaded: behind in that period

2–1HARD wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Commodities vs Core: HARD vs SPYM

YTD

SimplifyHARD

+10.7%

SPYMSPDR

+8.4%

+10.7%Year to date+8.4%

−21.0%Worst drop · 1Y−8.9%

30.1%Volatility · 1Y13.6%

3.8%Yield1.1%

$50.8MAssets$182B

2–2level

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HARD, SPYM, SPY

Today

0.02%lowest, SPYM

FundExpense ratioFee$10k

SPYM0.02%$2

SPY0.09%$9

HARD0.90%$90

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: HARD, SPYM, SPY

3.76%highest, HARD

FundTrailing yieldYield$10k

HARD3.76%$376

SPYM1.06%$106

SPY1.03%$103

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$286most kept, HARD

HARD$376 − $90 = $286

SPYM$106 − $2 = $104

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: HARD, SPYM, SPY

Today

99.9%most shared, SPYM and SPY

HARDSPYMSPY

HARD—0.0%0.0%

SPYM0.0%—99.9%

SPY0.0%99.9%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+12.3%HARD, at 30.1% volatility

SPYMWorst drop−8.9%13.6% vol

SPYWorst drop−8.9%13.6% vol

HARDWorst drop−21.0%30.1% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

HARDSPYM

+10.7%Year to date+8.4%

3.8%Yield1.1%

+12.3%Past year+9.8%

0.90%Fee0.02%

3–1HARD wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026