AIUP vs SPY
FINQ FIRST US Large Cap AI-Managed Equity ETF vs State Street SPDR S&P 500 ETF Trust
Which is better, AIUP or SPY?
SPY costs less.
SPY has a lower expense ratio. SPY is less concentrated, with 38.2% of the fund in its ten largest positions against 76.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AIUP | SPY |
|---|---|---|
| Expense Ratio | 0.70% | 0.09%Best |
| AUM | $5M | $823.2B |
| Dividend Yield | 0.00% | 0.99% |
| Holdings | 34 | 1,515 |
| YTD Return | +20.81%Best | +13.53% |
| 1Y Return | - | +17.47% |
| 3Y Return (annualized) | - | +22.36% |
| 5Y Return (annualized) | - | +13.21% |
| Top 10 Weight | 76.8% | 38.2%Best |
| Fund Family | FINQ AI, LLC | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 5, 2026 | Jan 22, 1993 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
AIUP vs SPY growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
AIUP vs SPY Performance
FINQ FIRST US Large Cap AI-Managed Equity ETF (AIUP) is an ETF from FINQ AI, LLC and State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management. Year to date, AIUP is up 20.81% versus a gain of 13.53% for SPY.
Past performance does not guarantee future results.
Fees and Cost Over Time
AIUP charges 0.70% per year while SPY charges 0.09%. On a $10,000 position that is $70 vs $9 annually, a gap of $61 per year that compounds over a long holding period. On income, AIUP currently yields 0.00% against 0.99% for SPY.
Holdings Overlap
99.1% of AIUP's money is in holdings SPY also owns. 27.5% of SPY's money is in holdings AIUP also owns.
Most of AIUP is already inside SPY. Owning both mostly buys the same companies twice.
15 positions in common, counted across the 16 positions we hold weights for in AIUP and 504 in SPY, against full books of 34 and 1,515.
What only one of them owns
Our book lists 481 positions for SPY that do not appear in our book for AIUP (71.5% of the fund), and 1 for AIUP that do not appear in SPY (0.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in AIUP | Weight in SPY | Difference |
|---|---|---|---|
| METAMeta Platforms Inc | 14.58% | 2.22% | 12.36% |
| MUMicron Technology, Inc. | 14.86% | 1.59% | 13.27% |
| SNDKVSandisk Corp. | 15.15% | 0.35% | 14.80% |
| NVDANvidia Corp | 4.50% | 7.78% | 3.28% |
| MSFTMicrosoft Corp | 4.52% | 5.71% | 1.19% |
| AMZNAmazon.Com Inc | 4.50% | 3.78% | 0.72% |
| GOOGLAlphabet Inc | 4.46% | 3.12% | 1.34% |
| AMDAdvanced Micro Devices Inc | 4.50% | 1.22% | 3.28% |
| PANWPalo Alto Networks, Inc | 4.62% | 0.46% | 4.16% |
| CRMSalesforce Inc Crm Us Equity | 4.68% | 0.32% | 4.36% |
99.1% of AIUP is already inside SPY.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, AIUP or SPY?
AIUP has an expense ratio of 0.70% while SPY charges 0.09%. SPY is the cheaper option, by $61 a year on a $10,000 investment.
What is the holdings overlap between AIUP and SPY?
99.1% of AIUP's money is in holdings SPY also owns. 27.5% of SPY's is in holdings AIUP also owns. They hold 15 positions in common, counted across the 16 positions we hold weights for in AIUP and 504 in SPY.
Which pays a higher dividend, AIUP or SPY?
AIUP yields 0.00% while SPY yields 0.99%, so SPY currently pays the higher dividend yield.
Is SPY better than AIUP?
SPY has a lower expense ratio. SPY is less concentrated, with 38.2% of the fund in its ten largest positions against 76.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.