ETF comparison

SPY5 vs VUAA

State Street® SPDR® S&P® 500 UCITS ETF (Dist)
IE00B6YX5C33State Street
Vanguard S&P 500 UCITS ETF (USD) Accumulating
IE00BFMXXD54Vanguard
Figures as of October 2, 2026 (SPY5) · September 30, 2026 (VUAA)

The comparison in short

SPY5 (State Street® SPDR® S&P® 500 UCITS ETF (Dist), IE00B6YX5C33) and VUAA (Vanguard S&P 500 UCITS ETF (USD) Accumulating, IE00BFMXXD54) both track the S&P 500® index. SPY5 has the lower total expense ratio (TER): 0.03% a year against 0.07% for VUAA, 0.04 percentage points less, or about 4 a year on 10,000 invested. VUAA is the larger fund, with USD 89,226m in assets against USD 44.4bn for SPY5, about 2 times the size. SPY5 reports 505 holdings and VUAA 512. 8 of the holdings published by SPY5 (top 10) and VUAA (top 10) appear in both lists; measured on those published positions only, the overlap is at least 35.9%. Shared holdings include NVIDIA Corporation, Apple Inc., Microsoft Corporation, Alphabet Inc. Class A and Amazon.com Inc.. In 2025, SPY5 and VUAA both returned +17.6%. Over 5 years, SPY5 returned +12.5% a year and VUAA +13.5% a year. VUAA reinvests its income (accumulating), while SPY5 pays it out (distributing). SPY5 and VUAA both hold the index securities directly (physical replication). Both are domiciled in Ireland. SPY5 and VUAA both carry a risk indicator (SRRI) of 4 on the 1–7 scale. This is a factual comparison from the fund houses' documents, not investment advice.

Side by side

FigureSPY5VUAA
ISINIE00B6YX5C33IE00BFMXXD54
Exchange tickersSPY5, SPX5VUAA, VUAG
Fund houseState StreetVanguard
Total expense ratio (TER)0.03%0.07%
Ongoing charges (KID)0.03%0.07%
Fund sizeUSD 44.4bnUSD 89,226m
Launch dateMarch 19, 2012May 14, 2019
ReplicationPhysicalPhysical
DomicileIrelandIreland
Distribution policyDistributingAccumulating
Share class currencyUSDUSD
Number of holdings505512
Risk indicator (SRRI)4 / 74 / 7
BenchmarkS&P 500® IndexS&P 500 Net Total Return

Performance

Calendar-year returns

YearSPY5VUAADifference
2025+17.6%+17.6%0.0
2024+24.7%+24.7%0.0
2023+25.9%+25.9%0.0
2022−18.4%−18.3%−0.1
2021+28.3%+28.4%−0.1

Annualised returns

PeriodSPY5VUAADifference
1 year+20.1%+15.5%+4.6
3 years+20.7%+22.6%−1.9
5 years+12.5%+13.5%−1.0
Returns as published by each fund house, in each share class's currency and net of the fund's charges. The difference is in percentage points. Past performance does not predict future returns.

Holdings

8 of the holdings published by SPY5 (top 10) and VUAA (top 10) appear in both lists; measured on those published positions only, the overlap is at least 35.9%. Shared holdings include NVIDIA Corporation, Apple Inc., Microsoft Corporation, Alphabet Inc. Class A and Amazon.com Inc..

Top 10 holdings of SPY5

#HoldingWeight
1
NVIDIA CorporationIn both
8.46%
2
Apple Inc.In both
7.30%
3
Microsoft CorporationIn both
5.76%
4
Amazon.com Inc.In both
3.69%
5
Alphabet Inc. Class AIn both
3.00%
6
Broadcom Inc.In both
2.47%
7
Meta Platforms Inc Class AIn both
2.42%
8
Alphabet Inc. Class CIn both
2.41%
9
Micron Technology Inc.In both
1.88%
10
Advanced Micro Devices Inc.
1.52%

Top 10 holdings of VUAA

#HoldingWeight
1
NVIDIA Corp.In both
8.10%
2
Apple Inc.In both
7.00%
3
Microsoft Corp.In both
5.70%
4
Alphabet Inc.In both
5.40%
5
Amazon.com Inc.In both
3.80%
6
Broadcom Inc.In both
2.70%
7
Meta Platforms Inc.In both
1.90%
8
Micron Technology Inc.In both
1.60%
9
Tesla Inc.
1.60%
10
JPMorgan Chase & Co.
1.40%
Compare every published holding of SPY5 and VUAA in the overlap checker

Sectors and countries

Largest sectors of SPY5

  1. Information Technology39.9%
  2. Financials11.4%
  3. Communication Services9.8%
  4. Health Care9.1%
  5. Consumer Discretionary8.6%
  6. Industrials8.1%
+ 5 more

Largest sectors of VUAA

  1. Information Technology37.9%
  2. Financials12.3%
  3. Communication Services9.5%
  4. Health Care9.3%
  5. Consumer Discretionary9.1%
  6. Industrials8.3%
+ 4 more

Largest countries of SPY5

  1. United States100.0%

Largest countries of VUAA

  1. United States99.9%
  2. United Kingdom0.1%

Frequently asked questions

What is the difference between SPY5 and VUAA?

SPY5 (State Street® SPDR® S&P® 500 UCITS ETF (Dist), IE00B6YX5C33) and VUAA (Vanguard S&P 500 UCITS ETF (USD) Accumulating, IE00BFMXXD54) both track the S&P 500® index. SPY5 has the lower total expense ratio (TER): 0.03% a year against 0.07% for VUAA, 0.04 percentage points less, or about 4 a year on 10,000 invested. VUAA reinvests its income (accumulating), while SPY5 pays it out (distributing). SPY5 and VUAA both hold the index securities directly (physical replication). Both are domiciled in Ireland. This is a factual comparison from the fund houses' documents, not investment advice.

Which is cheaper, SPY5 or VUAA?

SPY5 has the lower total expense ratio (TER): 0.03% a year against 0.07% for VUAA, 0.04 percentage points less, or about 4 a year on 10,000 invested. Their key information documents state ongoing charges of 0.03% for SPY5 and 0.07% for VUAA.

Which is bigger, SPY5 or VUAA?

VUAA is the larger fund, with USD 89,226m in assets against USD 44.4bn for SPY5, about 2 times the size.

Do SPY5 and VUAA hold the same companies?

8 of the holdings published by SPY5 (top 10) and VUAA (top 10) appear in both lists; measured on those published positions only, the overlap is at least 35.9%. Shared holdings include NVIDIA Corporation, Apple Inc., Microsoft Corporation, Alphabet Inc. Class A and Amazon.com Inc..

How did SPY5 and VUAA perform in 2025?

In 2025, SPY5 and VUAA both returned +17.6%. Over 5 years, SPY5 returned +12.5% a year and VUAA +13.5% a year. Over the past year, SPY5 returned +20.1% and VUAA +15.5%. Past performance does not predict future returns.

Are SPY5 and VUAA accumulating or distributing?

SPY5 is distributing: it pays its income out to investors. VUAA is accumulating: it reinvests its income in the fund.

Go further

Other comparisons

Figures are read from the documents each fund house publishes (product page, factsheet, key information document, holdings file) and refreshed weekly. Names and tickers identify the products; FundFacts API is independent of every fund house and index provider. This comparison is factual information, not investment advice or a recommendation to buy or sell either fund.