Compare · 2 funds side by side · dividends reinvested

USOI and SPY

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$18,186USOI · best of the two

02 / 04

USOI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

UBS AG ETRACS Crude Oil Shares Covered Call ETNs due April 24, 2037Income · Covered calls0.85%62.18%+47.1%+42.9%+11.6%+12.7%−23.5%24.6%$314M1.5

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%$798B1.5

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: USOI 2017 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

UBS AG ETRACS Crude Oil Shares Covered Call ETNs due April 24, 2037 · $314M$18,186

USOI

SPY

State Street SPDR S&P 500 ETF · $798B$18,060

$10,000 five years ago, dividends reinvested

USOIMeasureSPY

+47.1%Year to dateJan 1 → Nov 4+13.3%

+42.9%1 yearTotal return+13.4%

+11.6%3 years · per year$10,000 became $13,905 · $19,132+24.1%

+12.7%5 years · per year$10,000 became $18,186 · $18,060+12.6%

0.85%Expense ratio$85 · $9 a year on $10k · lower is better0.09%

62.18%Trailing 12-mo yield$6,218 · $99 a year on $10k0.99%

−23.5%Worst dropSmaller is better−8.9%

24.6%VolatilityLower is calmer12.9%

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

4–4Level

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

More Ways to See the Pairs

USOI vs SPY: Top 5 Holdings

Today

USOI

[…]in top 5

SPY

in top 527.3%

USOIStockSPY

not top 5NVDA7.7%

not top 5AAPL7.4%

not top 5MSFT5.9%

not top 5AMZN3.8%

not top 5GOOGL2.5%

Held in common[…]

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

USOI vs SPY Returns, Every Period

ETRACSUSOI

+12.7%

5 years, per year

SPYSPDR

+12.6%

5 years, per year

USOISPYFaded: behind in that period

3–1USOI wins

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

Income vs Core: USOI vs SPY

YTD

ETRACSUSOI

+47.1%

SPYSPDR

+13.3%

+47.1%Year to date+13.3%

−23.5%Worst drop · 1Y−8.9%

24.6%Volatility · 1Y12.9%

62.2%Yield1.0%

$314MAssets$798B

2–2level

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

Cost, Income and Risk

Fees: USOI, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

USOI0.85%$85

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

Yields: USOI, SPY

62.18%highest, USOI

FundTrailing yieldYield$10k

USOI62.18%$6,218

SPY0.99%$99

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

Income After Fees on $10,000

$6,133most kept, USOI

USOI$6,218 − $85 = $6,133

SPY$99 − $9 = $90

KeptFee

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

Overlap: USOI, SPY

Today

[…]holdings […]

USOISPY

USOI—[…]

SPY[…]—

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

Return vs Bumpiness: 2 ETFs

+42.9%USOI, at 24.6% volatility

SPYWorst drop−8.9%12.9% vol

USOIWorst drop−23.5%24.6% vol

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

Paid More vs Made More

YTD

USOISPY

+47.1%Year to date+13.3%

62.2%Yield1.0%

+42.9%Past year+13.4%

0.85%Fee0.09%

3–1USOI 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%

$185BAssets$798B

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%

$121BAssets$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%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026