미국 ETF/주식SPYETF

SPDR S&P 500 ETF Trust 계산기

SPY is one of the most widely used S&P 500 ETFs for U.S. large-cap index exposure.

비중을 볼 때 확인할 점

  • A highly liquid S&P 500 ETF.
  • Commonly used for both trading and benchmark comparison.

리밸런싱 전 리스크

  • It carries U.S. large-cap equity drawdown risk.
  • Long-term holders should compare costs against similar ETFs.

계산기에서 확인하는 순서

  1. 1.SPDR S&P 500 ETF Trust를 포트폴리오에 추가합니다.
  2. 2.보유 수량, 현금, 목표 비중을 입력합니다.
  3. 3.목표보다 과대·과소 편입인지 보고 매수·매도 필요 수량을 확인합니다.

비중 계산 기준

리밸런싱 계산기는 SPDR S&P 500 ETF Trust의 현재 평가금액, 포트폴리오 현금, 다른 보유 종목의 평가금액을 함께 놓고 목표 비중과의 차이를 계산합니다. 실제 주문 수량은 현재가, 환율, 거래 수수료, 최소 주문 단위에 따라 달라질 수 있으므로 결과를 주문 전 점검용으로 사용하세요.

이 페이지를 쓰는 상황

신규 매수 전 목표 비중을 정하거나, SPDR S&P 500 ETF Trust 비중이 커진 뒤 일부를 줄일지 확인할 때 유용합니다. 여러 종목을 함께 보유한다면 단일 수익률보다 전체 포트폴리오에서 차지하는 비중과 변동성 기여도를 먼저 확인하는 편이 안전합니다.

리밸런싱 계산기로 이동종목 비중 최적화

SPY vs VTI: Which ETF Is Better in 2026?

Compare SPY vs VTI by expense ratio, dividend yield, holdings, portfolio role, and rebalancing use case. See which ETF fits your 2026 portfolio.

Quick Verdict

SPY vs VTI at a glance

Open rebalancing calculator

Verdict

VTI

VTI has an overall advantage with lower expense ratio (0.03% vs 0.0945%), higher dividend yield (1.33% vs 1.26%). However, SPY also offers Total US market exposure, making it worth considering depending on your portfolio goals.

Lower fee

VTI

0.03%

Higher yield

VTI

1.3%

Broader holdings

VTI

4,026

Compare These ETFs in the Rebalancing Calculator

Add both ETFs, set target weights, and check how much to buy or sell to keep your portfolio aligned.

Open rebalancing calculatorOpen SPY calculatorOpen VTI calculatorView all ETF comparisons

Key Differences

  • 1Expense ratio: VTI 0.03% vs SPY 0.0945% (VTI is 0.06%p cheaper)
  • 2Dividend yield: VTI 1.33% vs SPY 1.26%
  • 3Holdings: SPY 503 vs VTI 4,026
  • 4Issuer: SPY (State Street(SPDR)) vs VTI (Vanguard)

Conclusion

Recommended:VTI

VTI has an overall advantage with lower expense ratio (0.03% vs 0.0945%), higher dividend yield (1.33% vs 1.26%). However, SPY also offers Total US market exposure, making it worth considering depending on your portfolio goals.

Comparison Snapshot

Use the table below to compare cost, income, diversification, and portfolio role before making an allocation decision.

CategorySPYVTI
Fund NameSPDR S&P 500 ETF TrustVanguard Total Stock Market ETF
Current Price......
CategoryIndex TrackingIndex Tracking
Expense Ratio0.0945%0.03%
Dividend Yield1.26%1.33%
Holdings5034026

SPY Top Holdings

  1. 1. Apple
  2. 2. Microsoft
  3. 3. Amazon
  4. 4. Nvidia
  5. 5. Alphabet

VTI Top Holdings

  1. 1. Apple
  2. 2. Microsoft
  3. 3. Amazon
  4. 4. Nvidia
  5. 5. Alphabet

SPY Features

  • •Tracks the S&P 500
  • •Highest liquidity
  • •Market representativeness
  • •Long-established ETF

VTI Features

  • •Covers entire market
  • •Includes small-cap stocks
  • •Extremely diversified
  • •Low cost

Pros & Cons

SPY

Advantages
  • ✓ Total US market exposure
  • ✓ Very high liquidity
  • ✓ Stable management
Disadvantages
  • ⚠ Market risk
  • ⚠ Large-cap concentration
  • ⚠ Potential growth slowdown

VTI

Advantages
  • ✓ Perfect diversification
  • ✓ Captures small-cap growth
  • ✓ Very low expense ratio
Disadvantages
  • ⚠ Total market risk
  • ⚠ No individual stock selection
  • ⚠ Average returns

Investment Strategy

Best For: SPY

Use as core asset; maintain 30-50% portfolio allocation

Best For: VTI

Single-ETF portfolio possible; recommended to combine with international ETFs

Detailed Analysis

1. 분석

SPY (SPDR S&P 500 ETF Trust) and VTI (Vanguard Total Stock Market ETF) Both belong to the Index Tracking category, covering a similar investment area but with different strategies. SPY: SPDR S&P 500 ETF Trust (SPY) is an exchange-traded fund that provides investors with exposure to broad market indices. It carries an expense ratio of 0.09%. The fund offers a dividend yield of approximately 1.26%. The portfolio holds 503 securities. With an expense ratio of 0.0945% and dividend yield of 1.26%, its top holdings include Apple, Microsoft, Amazon. Key features include Tracks the S&P 500, Highest liquidity, with Total US market exposure being a major advantage. VTI: Vanguard Total Stock Market ETF (VTI) is an exchange-traded fund that provides investors with exposure to broad market indices. It carries an expense ratio of 0.03%. The fund offers a dividend yield of approximately 1.33%. The portfolio holds 4026 securities. With an expense ratio of 0.03% and dividend yield of 1.33%, top holdings include Apple, Microsoft, Amazon. Notable features are Covers entire market, Includes small-cap stocks, with Perfect diversification as a core strength. In terms of expense ratio, VTI is 0.06%p cheaper, which can lead to significant cost savings through compounding over long-term investment. Over 20 years with a $100,000 investment, this difference can amount to thousands of dollars.

2. 추천

SPY is suitable for Use as core asset; maintain 30-50% portfolio allocation, while VTI is suitable for Single-ETF portfolio possible; recommended to combine with international ETFs. Since both ETFs are in the same category, choosing one for your portfolio is more efficient. Base your decision on expense ratio, liquidity, and issuer preference. For beginners, we recommend a core-satellite strategy: choose a low-cost, well-diversified ETF as your core holding, and allocate the rest to satellite positions.

3. 결론

Both SPY and VTI are excellent ETFs for their respective investment objectives. The key is to choose based on your investment goals, time horizon, and risk tolerance. Rather than focusing on a single metric (dividend yield, fees, etc.), evaluate from a holistic portfolio perspective. Use our rebalancing calculator to easily determine the optimal asset allocation including both ETFs.

SPY vs VTI Investment Guide

Both SPY and VTI are popular US ETFs, but they differ in investment strategy and portfolio role. SPY has an expense ratio of 0.0945%, while VTI charges 0.03%, giving VTI a cost advantage. In terms of dividend yield, SPY offers 1.26% while VTI offers 1.33%, making VTI the better choice for income investors.

When choosing between the two, consider your investment goals, time horizon, and risk tolerance. If long-term growth is your priority, favor the ETF with lower fees and broader diversification. If you need steady cash flow, the higher-yielding ETF may be more suitable. You can also hold both in your portfolio for a complementary approach.

Regardless of which ETF you choose, maintaining your target allocation through regular rebalancing is key to long-term performance. Review your portfolio quarterly or semi-annually, and adjust if weights have drifted significantly. Our rebalancing calculator can automatically determine the buy/sell quantities for each holding.

5 Things to Check When Comparing ETFs

1.

Expense Ratio: Even a 0.1% difference in fees can translate to thousands of dollars over long-term investing. When two ETFs track a similar index, the lower-cost option has the edge.

2.

Tracking Index & Holdings: Even ETFs in the same category may track different indices. Review the top holdings and sector weights to find the best fit for your investment goals.

3.

Dividend Policy: Compare dividend frequency (monthly vs quarterly), yield, and dividend growth rate. Monthly dividend ETFs may be preferable if you need regular cash flow.

4.

Trading Volume & Liquidity: Sufficient daily trading volume ensures you can buy and sell at fair prices. Low-volume ETFs may have wider bid-ask spreads, increasing your trading costs.

5.

Portfolio Role: Determine whether the ETF serves as a core or satellite holding in your portfolio, and size your position accordingly.

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SPY Detail Analysis
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VTI Detail Analysis
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ETF Selection Guide
Investment Guide