Compare · 2 funds side by side · dividends reinvested

RILA and SPY

RILAIndexperts×SPYSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$18,060SPY · best of the two

02 / 04

RILA and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B1.0

Indexperts Gorilla Aggressive Growth ETFUS Stock Styles · Growth0.50%0.12%+6.4%+2.7%[…][…]−15.8%17.0%$45M2.0

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: RILA 2024 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Indexperts Gorilla Aggressive Growth ETF · $45M[…]

RILA

SPY

State Street SPDR S&P 500 ETF · $805B$18,060

$10,000 five years ago, dividends reinvested · they hold 29.2% in common

RILAMeasureSPY

+6.4%Year to dateJan 1 → Nov 4+13.3%

+2.7%1 yearTotal return+13.4%

[…]3 years · per year$10,000 became […] · $19,132+24.1%

[…]5 years · per year$10,000 became […] · $18,060+12.6%

0.50%Expense ratio$50 · $9 a year on $10k · lower is better0.09%

0.12%Trailing 12-mo yield$12 · $99 a year on $10k0.99%

−15.8%Worst dropSmaller is better−8.9%

17.0%VolatilityLower is calmer12.9%

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

0–6SPY wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

RILA vs SPY: Top 5 Holdings

Today

RILA

22.2%in top 5

SPY

in top 527.3%

RILAStockSPY

4.8%NVDA7.7%

not top 5AAPL7.4%

not top 5MSFT5.9%

5.1%LLYnot top 5

4.4%PANWnot top 5

4.3%AVGOnot top 5

3.8%APHnot top 5

not top 5AMZN3.8%

not top 5GOOGL2.5%

Held in common29.2%

End-of-day Nov 4, 2026 · share of each fund

RILA vs SPY Returns, Every Period

IndexpertsRILA

+2.7%

past year

SPYSPDR

+13.4%

past year

RILASPYFaded: behind in that period

0–2SPY wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Stocks vs Core: RILA vs SPY

YTD

IndexpertsRILA

+6.4%

SPYSPDR

+13.3%

+6.4%Year to date+13.3%

−15.8%Worst drop · 1Y−8.9%

17.0%Volatility · 1Y12.9%

0.1%Yield1.0%

$44.8MAssets$805B

4–0SPY wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: RILA, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

RILA0.50%$50

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: RILA, SPY

0.99%highest, SPY

FundTrailing yieldYield$10k

SPY0.99%$99

RILA0.12%$12

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$90most kept, SPY

SPY$99 − $9 = $90

RILA$12 − $50 = −$38

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: RILA, SPY

Today

29.2%most shared, RILA and SPY

RILASPY

RILA—29.2%

SPY29.2%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+13.4%SPY, at 12.9% volatility

SPYWorst drop−8.9%12.9% vol

RILAWorst drop−15.8%17.0% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

SPYRILA

+13.3%Year to date+6.4%

1.0%Yield0.1%

+13.4%Past year+2.7%

0.09%Fee0.50%

4–0SPY wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026