Compare · 3 funds side by side · dividends reinvested

SPY, SHM and QQQ

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,352QQQ · best of the three

02 / 04

SPY, SHM and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$819B1.6

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.48%+5.7%+5.0%+23.3%+11.7%−14.8%21.3%$469B2.1

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.3%+2.1%+3.4%+1.1%−2.7%1.8%$3.5B2.3

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: SPY 1993 · SHM 2007 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $819B$17,099

SPY

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,567

$10,000 five years ago, dividends reinvested

SPYMeasureSHM

+8.3%Year to dateJan 1 → Nov 5+1.3%

+9.7%1 yearTotal return+2.1%

+22.0%3 years · per year$10,000 became $18,174 · $11,058+3.4%

+11.3%5 years · per year$10,000 became $17,099 · $10,567+1.1%

0.09%Expense ratio$9 · $20 a year on $10k · lower is better0.20%

1.03%Trailing 12-mo yield$103 · $270 a year on $10k2.70%

−8.9%Worst dropSmaller is better−2.7%

13.6%VolatilityLower is calmer1.8%

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

5–3SPY wins

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

More Ways to See the Pairs

SPY vs SHM: Top 5 Holdings

Today

SPY

27.7%in top 5

SHM

in top 5[…]

SPYStockSHM

7.7%AAPLnot top 5

7.3%NVDAnot top 5

6.2%MSFTnot top 5

3.9%AMZNnot top 5

2.6%GOOGLnot top 5

Held in common[…]

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

SPY vs SHM Returns, Every Period

SPDRSPY

+11.3%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

SPYSHMFaded: behind in that period

4–0SPY wins

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

Core vs Bonds: SPY vs SHM

YTD

SPDRSPY

+8.3%

SHMSPDR

+1.3%

+8.3%Year to date+1.3%

−8.9%Worst drop · 1Y−2.7%

13.6%Volatility · 1Y1.8%

1.0%Yield2.7%

$819BAssets$3.5B

3–1SHM wins

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

Cost, Income and Risk

Fees: SPY, SHM, QQQ

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

QQQ0.18%$18

SHM0.20%$20

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

Yields: SPY, SHM, QQQ

2.70%highest, SHM

FundTrailing yieldYield$10k

SHM2.70%$270

SPY1.03%$103

QQQ0.48%$48

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

Income After Fees on $10,000

$250most kept, SHM

SHM$270 − $20 = $250

SPY$103 − $9 = $94

QQQ$48 − $18 = $30

KeptFee

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

Overlap: SPY, SHM, QQQ

Today

52.8%most shared, SPY and QQQ

SPYSHMQQQ

SPY—[…]52.8%

SHM[…]—[…]

QQQ52.8%[…]—

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

Return vs Bumpiness: 3 ETFs

+9.7%SPY, at 13.6% volatility

SHMWorst drop−2.7%1.8% vol

SPYWorst drop−8.9%13.6% vol

QQQWorst drop−14.8%21.3% vol

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

Paid More vs Made More

YTD

SHMSPY

+1.3%Year to date+8.3%

2.7%Yield1.0%

+2.1%Past year+9.7%

0.20%Fee0.09%

3–1SPY wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

0.15% · $15Fee · on $10k a year0.18% · $18

$107BAssets$469B

2–0QQQM wins

End-of-day Nov 5, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−3.7%

QQQInvesco

+5.7%

−3.7%Year to date+5.7%

0.94% · $94Fee · on $10k a year0.18% · $18

$27.1BAssets$469B

2–0QQQ wins

End-of-day Nov 5, 2026