Compare · 3 funds side by side · dividends reinvested

UMI, SPYM and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$24,509UMI · best of the three

02 / 04

UMI, SPYM and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

USCF Midstream Energy Income FundIncome · Dividend stocks0.85%5.89%+26.9%+33.1%+26.5%+19.6%−8.6%16.1%$541M1.5

State Street SPDR Portfolio S&P 500 ETFLow-Cost Core · S&P 5000.02%1.03%+11.5%+11.9%+24.1%+12.2%−8.9%12.7%$185B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.5%+11.8%+24.0%+12.1%−8.9%12.8%$798B2.6

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

End-of-day Nov 3, 2026 · returns include dividends · since: UMI 2021 · SPYM 2005 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

USCF Midstream Energy Income Fund · $541M$24,509

UMI

SPYM

State Street SPDR Portfolio S&P 500 ETF · $185B$17,749

$10,000 five years ago, dividends reinvested · they hold 0.4% in common

UMIMeasureSPYM

+26.9%Year to dateJan 1 → Nov 3+11.5%

+33.1%1 yearTotal return+11.9%

+26.5%3 years · per year$10,000 became $20,262 · $19,092+24.1%

+19.6%5 years · per year$10,000 became $24,508 · $17,749+12.2%

0.85%Expense ratio$85 · $2 a year on $10k · lower is better0.02%

5.89%Trailing 12-mo yield$589 · $103 a year on $10k1.03%

−8.6%Worst dropSmaller is better−8.9%

16.1%VolatilityLower is calmer12.7%

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

6–2UMI wins

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

More Ways to See the Pairs

UMI vs SPYM: Top 5 Holdings

Today

UMI

36.9%in top 5

SPYM

in top 527.4%

UMIStockSPYM

8.5%ETnot top 5

not top 5NVDA7.8%

7.7%EPDnot top 5

not top 5AAPL7.7%

7.4%TRGPnot top 5

6.9%WMBnot top 5

6.3%ENB.TOnot top 5

not top 5MSFT5.9%

not top 5AMZN3.6%

not top 5GOOGL2.5%

Held in common0.4%

End-of-day Nov 3, 2026 · share of each fund

UMI vs SPYM Returns, Every Period

USCFUMI

+19.6%

5 years, per year

SPYMSPDR

+12.2%

5 years, per year

UMISPYMFaded: behind in that period

4–0UMI wins

End-of-day Nov 3, 2026 · dividends in · faded = behind in that period

Income vs Core: UMI vs SPYM

YTD

USCFUMI

+26.9%

SPYMSPDR

+11.5%

+26.9%Year to date+11.5%

−8.6%Worst drop · 1Y−8.9%

16.1%Volatility · 1Y12.7%

5.9%Yield1.0%

$541MAssets$185B

3–1UMI wins

End-of-day Nov 3, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: UMI, SPYM, SPY

Today

0.02%lowest, SPYM

FundExpense ratioFee$10k

SPYM0.02%$2

SPY0.09%$9

UMI0.85%$85

End-of-day Nov 3, 2026 · fee on $10,000 a year

Yields: UMI, SPYM, SPY

5.89%highest, UMI

FundTrailing yieldYield$10k

UMI5.89%$589

SPYM1.03%$103

SPY1.01%$101

End-of-day Nov 3, 2026 · trailing 12-month yield

Income After Fees on $10,000

$504most kept, UMI

UMI$589 − $85 = $504

SPYM$103 − $2 = $101

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee

Overlap: UMI, SPYM, SPY

Today

99.9%most shared, SPYM and SPY

UMISPYMSPY

UMI—0.4%0.4%

SPYM0.4%—99.9%

SPY0.4%99.9%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+33.1%UMI, at 16.1% volatility

SPYMWorst drop−8.9%12.7% vol

SPYWorst drop−8.9%12.8% vol

UMIWorst drop−8.6%16.1% vol

End-of-day Nov 3, 2026 · up and left is better

Paid More vs Made More

YTD

UMISPYM

+26.9%Year to date+11.5%

5.9%Yield1.0%

+33.1%Past year+11.9%

0.85%Fee0.02%

3–1UMI wins

End-of-day Nov 3, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.5%

JEPIJ.P. Morgan

+7.0%

+7.5%Year to date+7.0%

12.3%Yield8.0%

$41.8BAssets$46.0B

2–0JEPQ wins

End-of-day Nov 3, 2026