ETF Versus

GLD vs MDY

SPDR Gold Shares vs State Street SPDR S&P MIDCAP 400 ETF Trust

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
MDY SPDR

State Street SPDR S&P MIDCAP 400 ETF Trust (MDY) is an exchange-traded fund issued by SPDR that provides exposure to mid-cap U.S. companies balancing growth potential and stability. It charges a moderate expense ratio of 0.24%. The fund offers a moderate dividend yield of 1.11%. Launched in 1995, the fund has a 31-year track record.

AUM: $25.2B ER: 0.24% Yield: 1.11% Since: May 4, 1995

Quick Verdict

MDY is significantly cheaper at 0.24% vs 0.40% expense ratio, saving you approximately $311 per $10,000 invested over 10 years. Over the past year, GLD has significantly outperformed with a 49.8% return vs 31.1%.

Key Metrics

Metric GLD MDY
Expense Ratio 0.40% 0.24%
Dividend Yield N/A 1.1%
Fund Family SPDR SPDR
Category Gold US Mid Cap

Performance Chart

Indexed to 100 at start (5-year comparison)

80 126 172 218 264 310 2021-04 2022-07 2023-10 2025-01 2026-04
GLD +169.9%
MDY +31.8%

Performance Comparison

Period GLD MDY Difference
1 Month -8.02% +3.01% -11.03%
3 Months +3.74% +1.74% +2.00%
6 Months +15.85% +9.24% +6.61%
YTD +9.98% +5.23% +4.75%
1 Year +49.83% +31.12% +18.71%
3 Years +135.15% +40.99% +94.16%
5 Years +169.92% +31.81% +138.11%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period GLD Fees MDY Fees You Save
$10,000 10 years $786 $475 $311
$10,000 20 years $3,334 $2,028 $1,305
$10,000 30 years $10,601 $6,497 $4,104
$50,000 10 years $3,932 $2,375 $1,557
$50,000 30 years $53,003 $32,483 $20,519
$100,000 30 years $106,005 $64,967 $41,038

Risk Metrics

Based on 5 years of daily returns

Metric GLD MDY
Annualized Volatility 17.8% 19.8%
Max Drawdown -21.0% -24.5%
Sharpe Ratio 0.96 0.15

Dividend Comparison

Metric GLD MDY
Annual Dividend (per share) $0.00 $7.12
Dividend Yield 0.00% 1.11%
Distribution Frequency None Quarterly

Top Holdings

MDY Top Holdings

NameWeight
TechnipFMC plcFTI0.86%
U.S. DollarCASH_USD0.85%
Casey's General Stores, Inc.CASY0.84%
Flex Ltd.FLEX0.80%
Curtiss-Wright CorporationCW0.80%
United Therapeutics CorporationUTHR0.75%
XPO, Inc.XPO0.74%
Woodward, Inc.WWD0.70%
FabrinetFN0.65%
Royal Gold, Inc.RGLD0.65%

Which One Should You Choose?

Choose MDY 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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