What is the expense ratio of SPYG vs XLK?

SPYG has an expense ratio of 0.04%, while XLK has an expense ratio of 0.08%.

SPYG vs XLK

State Street SPDR Portfolio S&P 500 Growth ETF vs State Street Technology Select Sector SPDR ETF

Last updated: 2026-04-10

SPYG SPDR

State Street SPDR Portfolio S&P 500 Growth ETF (SPYG) is an exchange-traded fund issued by SPDR that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a very low expense ratio of 0.04%. The fund offers a modest dividend yield of 0.54%. Launched in 2000, the fund has a 26-year track record.

AUM: $44.2B ER: 0.04% Yield: 0.54% Since: Sep 25, 2000

XLK SPDR

State Street Technology Select Sector SPDR ETF (XLK) is an exchange-traded fund issued by SPDR that provides exposure to us sector - technology securities. It charges a low expense ratio of 0.08%. The fund offers a modest dividend yield of 0.54%. Launched in 1998, the fund has a 28-year track record.

AUM: $90.3B ER: 0.08% Yield: 0.54% Since: Dec 16, 1998

Quick Verdict

SPYG has a slightly lower expense ratio (0.04% vs 0.08%), saving about $80 per $10,000 over 10 years. Over the past year, XLK has significantly outperformed with a 46.8% return vs 36.0%.

Key Metrics

Metric	SPYG	XLK
Expense Ratio	0.04%	0.08%
Dividend Yield	0.5%	0.5%
Fund Family	SPDR	SPDR
Category	US Large Cap Growth	US Sector - Technology

Performance Chart

Indexed to 100 at start (5-year comparison)

SPYG +75.3%

XLK +102.2%

Performance Comparison

Period	SPYG	XLK	Difference
1 Month	+0.63%	+1.60%	-0.97%
3 Months	-3.48%	-2.80%	-0.68%
6 Months	-0.04%	+0.06%	-0.10%
YTD	-2.09%	-1.13%	-0.96%
1 Year	+35.95%	+46.81%	-10.86%
3 Years	+88.56%	+93.34%	-4.78%
5 Years	+75.34%	+102.25%	-26.91%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment	Period	SPYG Fees	XLK Fees	You Save
$10,000	10 years	$80	$159	$80
$10,000	20 years	$344	$686	$342
$10,000	30 years	$1,112	$2,212	$1,100
$50,000	10 years	$399	$797	$398
$50,000	30 years	$5,560	$11,061	$5,501
$100,000	30 years	$11,121	$22,123	$11,002

Risk Metrics

Based on 5 years of daily returns

Metric	SPYG	XLK
Annualized Volatility	21.1%	24.7%
Max Drawdown	-33.1%	-34.0%
Sharpe Ratio	0.43	0.51

Dividend Comparison

Metric	SPYG	XLK
Annual Dividend (per share)	$0.56	$0.77
Dividend Yield	0.54%	0.54%
Distribution Frequency	Quarterly	Quarterly

Top Holdings

4 of top 9 holdings overlap (44% overlap in top holdings)

SPYG Top Holdings

Name	Weight
NVIDIA CorporationNVDA	14.49%
Microsoft CorporationMSFT	9.10%
Apple Inc.AAPL	6.22%
Broadcom Inc.AVGO	5.44%
Alphabet Inc.GOOG	4.82%
Meta Platforms, Inc.META	4.39%
Amazon.com, Inc.AMZN	3.75%
Berkshire Hathaway Inc.BRK.B	2.88%
Eli Lilly and CompanyLLY	2.47%

XLK Top Holdings

Name	Weight
NVIDIA CorporationNVDA	15.30%
Apple Inc.AAPL	13.10%
Microsoft CorporationMSFT	9.49%
Broadcom Inc.AVGO	5.76%
Micron Technology, Inc.MU	3.96%
Advanced Micro Devices, Inc.AMD	3.22%
Cisco Systems, Inc.CSCO	2.74%
Lam Research CorporationLRCX	2.69%
Applied Materials, Inc.AMAT	2.63%
Palantir Technologies Inc.PLTR	2.49%

Which One Should You Choose?

Choose SPYG if...

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

Choose XLK if...

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

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AGG vs XLK BIL vs SPYG BIL vs XLK BND vs XLK BNDX vs XLK EFA vs XLK FTEC vs XLK GLD vs SPYG