ITOT vs SPY
iShares Core S&P Total U.S. Stock Market ETF vs State Street SPDR S&P 500 ETF Trust
Last updated: 2026-04-10
iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund issued by iShares that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.08%. Launched in 2004, the fund has a 22-year track record.
State Street SPDR S&P 500 ETF Trust (SPY) is an exchange-traded fund issued by SPDR that provides exposure to large-cap U.S. equities across growth and value styles. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.09%. Launched in 1993, the fund has a 33-year track record.
Quick Verdict
ITOT has a slightly lower expense ratio (0.03% vs 0.09%), saving about $119 per $10,000 over 10 years. Both funds have delivered similar 1-year returns (30.3% vs 29.6%), tracking closely.
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Top Holdings
9 of top 9 holdings overlap (100% overlap in top holdings)
ITOT Top Holdings
| Name | Weight |
|---|---|
| NVIDIA CorporationNVDA | 6.72% |
| Apple Inc.AAPL | 5.78% |
| Microsoft CorporationMSFT | 4.22% |
| Amazon.com, Inc.AMZN | 3.28% |
| Broadcom Inc.AVGO | 2.53% |
| Alphabet Inc.GOOG | 2.24% |
| Meta Platforms, Inc.META | 2.04% |
| Tesla, Inc.TSLA | 1.47% |
| Berkshire Hathaway Inc.BRK.B | 1.34% |
SPY Top Holdings
| Name | Weight |
|---|---|
| NVIDIA CorporationNVDA | 7.61% |
| Apple Inc.AAPL | 6.54% |
| Microsoft CorporationMSFT | 4.78% |
| Amazon.com, Inc.AMZN | 3.72% |
| Broadcom Inc.AVGO | 2.86% |
| Alphabet Inc.GOOG | 2.53% |
| Meta Platforms, Inc.META | 2.31% |
| Tesla, Inc.TSLA | 1.66% |
| Berkshire Hathaway Inc.BRK.B | 1.51% |
Which One Should You Choose?
Choose ITOT if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.