VTIP vs SPY

AVTIP

BSPY

Measures won4–2VTIP wins · of 6 · 5Y

$10,000 · 5Y$17,156VOO · SPY $17,099

Lowest cost0.03%VTIP · $3 on $10k

Most income4.81%VTIP · $481 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]VTIP and SPY

VTIP

SPY

Vanguard Short-Term Inflation-Protected Securities ETF · $20.9BState Street SPDR S&P 500 ETF · $819B

+4.5%3 years · per year$11,408 · $18,174+22.0%

+2.7%5 years · per year$11,413 · $17,099+11.3%

0.03%Expense ratio$3 · $9 on $10k · lower wins0.09%

4.81%12-mo yield$481 · $103 on $10k1.03%

−2.6%Worst dropSmaller wins−8.9%

2.2%VolatilityLower wins13.6%

4–2VTIP wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVTIP · SPY

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 5, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
3	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
4	AVTIP	Vanguard Short-Term Inflation-Protected Securities ETFRead Desk	0.03%	4.81%	+0.1%	+0.6%	+0.8%	+4.5%	+2.7%	−2.6%	$20.9B

End-of-day Nov 5, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
3	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
4	AVTIP	Vanguard Short-Term Inflation-Protected Securities ETFRead Desk	0.03%	4.81%	+0.1%	+0.6%	+0.8%	+4.5%	+2.7%	−2.6%	$20.9B

End-of-day Nov 5, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

VTIP vs SPY

VTIP

Vanguard Short-Term Inflation-Protected Securities

$11,413

SPY

SPDR S&P 500

$17,099

MeasureVTIPSPY

Fee0.03%0.09%

Cost on $10k a year$3$9

Yield4.81%1.03%

5 years, per year+2.7%+11.3%

3 years, per year+4.5%+22.0%

Worst drop · 1Y−2.6%−8.9%

Volatility · 1Y2.2%13.6%

4–2measures won
VTIP first

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

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

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 5, 2026

Overlap: VTIP, SPY, SGOV, VOO

Today

93.5%most shared, SPY and VOO

VTIPSPYSGOVVOO

VTIP—[…][…][…]

SPY[…]—[…]93.5%

SGOV[…][…]—[…]

VOO[…]93.5%[…]—

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

Income After Fees on $10,000

$478most kept, VTIP

VTIP$481 − $3 = $478

SGOV$363 − $9 = $354

VOO$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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