ETF Versus

GLD vs IEFA

SPDR Gold Shares vs iShares Core MSCI EAFE ETF

Last updated: 2026-04-10

GLD SPDR

SPDR Gold Shares (GLD) is an exchange-traded fund issued by SPDR that provides exposure to gold securities. It charges an above-average expense ratio of 0.40%. Launched in 2004, the fund has a 22-year track record.

AUM: $162.2B ER: 0.40% Yield: N/A Since: Nov 18, 2004
IEFA iShares

iShares Core MSCI EAFE ETF (IEFA) is an exchange-traded fund issued by iShares that provides exposure to equities in developed international markets outside the U.S.. It charges a low expense ratio of 0.07%. The fund offers an attractive dividend yield of 3.33%. Launched in 2012, the fund has a 14-year track record.

AUM: $179.4B ER: 0.07% Yield: 3.33% Since: Oct 18, 2012

Quick Verdict

IEFA is significantly cheaper at 0.07% vs 0.40% expense ratio, saving you approximately $647 per $10,000 invested over 10 years. Over the past year, GLD has significantly outperformed with a 49.8% return vs 33.2%.

Key Metrics

Metric GLD IEFA
Expense Ratio 0.40% 0.07%
Dividend Yield N/A 3.3%
Fund Family SPDR iShares
Category Gold International Developed

Performance Chart

Indexed to 100 at start (5-year comparison)

70 118 166 214 262 310 2021-04 2022-07 2023-10 2025-01 2026-04
GLD +169.9%
IEFA +29.1%

Performance Comparison

Period GLD IEFA Difference
1 Month -8.02% +3.15% -11.17%
3 Months +3.74% +2.82% +0.92%
6 Months +15.85% +9.76% +6.09%
YTD +9.98% +5.46% +4.52%
1 Year +49.83% +33.17% +16.66%
3 Years +135.15% +41.47% +93.68%
5 Years +169.92% +29.07% +140.85%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period GLD Fees IEFA Fees You Save
$10,000 10 years $786 $140 $647
$10,000 20 years $3,334 $600 $2,733
$10,000 30 years $10,601 $1,938 $8,662
$50,000 10 years $3,932 $698 $3,234
$50,000 30 years $53,003 $9,692 $43,311
$100,000 30 years $106,005 $19,383 $86,622

Risk Metrics

Based on 5 years of daily returns

Metric GLD IEFA
Annualized Volatility 17.8% 16.7%
Max Drawdown -21.0% -33.1%
Sharpe Ratio 0.96 0.12

Dividend Comparison

Metric GLD IEFA
Annual Dividend (per share) $0.00 $3.18
Dividend Yield 0.00% 3.34%
Distribution Frequency None Semi-Annual or Annual

Top Holdings

IEFA Top Holdings

NameWeight
ASML Holding N.V.!ams/ASML2.18%
AstraZeneca PLC!lon/AZN1.26%
HSBC Holdings plc!lon/HSBA1.22%
Novartis AG!swx/NOVN1.16%
Roche Holding AG!swx/ROP1.11%
Shell plc!lon/SHEL1.03%
Nestlé S.A.!swx/NESN1.02%
Commonwealth Bank of Australia!asx/CBA0.84%
Siemens Aktiengesellschaft!etr/SIE0.82%
Mitsubishi UFJ Financial Group, Inc.!tyo/83060.81%

Which One Should You Choose?

Choose IEFA if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose GLD if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

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