RCOIN vs SPY
Arca US Treasury Fund vs State Street SPDR S&P 500 ETF Trust
Which is better, RCOIN or SPY?
SPY has been ahead.
SPY has a lower expense ratio. SPY led over 1Y and the full window.
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 | RCOIN | SPY |
|---|---|---|
| Expense Ratio | 0.77% | 0.09%Best |
| AUM | $455,038.47 | $823.2B |
| Dividend Yield | 0.00% | 0.99% |
| Holdings | 4 | 1,515 |
| Volatility (annualized) | - | 11.8% |
| Max Drawdown | -2.0%Best | -18.8% |
| $10,000 over 2.7 years | $9,807 | $16,482Best |
| Fund Family | Arca Capital Management | State Street Investment Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Jul 6, 2020 | Jan 22, 1993 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 26 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RCOIN has data through Sep 18, 2026 and SPY through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Dec 22, 2023 to Sep 18, 2026 (2.7 years).
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.0% for RCOIN and -18.8% for SPY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
Fees and Cost Over Time
RCOIN charges 0.77% per year while SPY charges 0.09%. On a $10,000 position that is $77 vs $9 annually, a gap of $68 per year that compounds over a long holding period. On income, RCOIN currently yields 0.00% against 0.99% for SPY.
Holdings Overlap
We hold position weights for 1 holding in RCOIN and 504 in SPY, totalling 13.3% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 76 days apart, RCOIN as of Jun 30, 2026 and SPY as of Sep 14, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 1 positions we hold weights for in RCOIN and 504 in SPY, against full books of 4 and 1,515.
You are not choosing between two funds in isolation.
Whichever of RCOIN and SPY you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RCOIN or SPY?
RCOIN has an expense ratio of 0.77% while SPY charges 0.09%. SPY is the cheaper option, by $68 a year on a $10,000 investment.
Which pays a higher dividend, RCOIN or SPY?
RCOIN yields 0.00% while SPY yields 0.99%, so SPY currently pays the higher dividend yield.
Is SPY better than RCOIN?
SPY has a lower expense ratio. SPY led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.