SPY vs THRV
State Street SPDR S&P 500 ETF Trust vs Prospera Income ETF
Which is better, SPY or THRV?
Large Cap Blend against Long Term Low Quality.
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 | SPY | THRV |
|---|---|---|
| Expense Ratio | 0.09%Best | 1.80% |
| AUM | $823.2B | $9M |
| Dividend Yield | 0.99% | 7.68% |
| Holdings | 1,515 | 68 |
| YTD Return | +13.53%Best | -1.63% |
| 1Y Return | +17.47%Best | -1.06% |
| 3Y Return (annualized) | +22.36% | - |
| 5Y Return (annualized) | +13.21% | - |
| Volatility (annualized) | 12.6% | 3.6%Best |
| Max Drawdown | -8.9% | -3.7%Best |
| $10,000 over 1 years | $11,612Best | $9,861 |
| Fund Family | State Street Investment Management | Prospera Funds Inc. |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Long Term Low Quality |
| Inception | Jan 22, 1993 | Sep 30, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 30, 2025 to Oct 14, 2026 (1 years).
SPY vs THRV 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 covers the 1 years both funds cover.
SPY vs THRV Performance
State Street SPDR S&P 500 ETF Trust (SPY) is an ETF from State Street Investment Management and Prospera Income ETF (THRV) is an ETF from Prospera Funds Inc.. Over the past year SPY returned +17.47% while THRV returned -1.06%. Year to date, SPY is up 13.53% versus a loss of 1.63% for THRV.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 12.6% compared with 3.6% for THRV. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -8.9% for SPY and -3.7% for THRV. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SPY charges 0.09% per year while THRV charges 1.80%. On a $10,000 position that is $9 vs $180 annually, a gap of $171 per year that compounds over a long holding period. On income, SPY currently yields 0.99% against 7.68% for THRV.
Holdings Overlap
At least 0.1% of SPY's money is in holdings THRV also owns.
Stated as a floor: for THRV, our book for it covers 89.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
2 positions in common, counted across the 504 positions we hold weights for in SPY and 59 in THRV, against full books of 1,515 and 68.
You are not choosing between two funds in isolation.
Whichever of SPY and THRV 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, SPY or THRV?
SPY has an expense ratio of 0.09% while THRV charges 1.80%. SPY is the cheaper option, by $171 a year on a $10,000 investment.
Which performed better, SPY or THRV?
Over the past year SPY returned +17.47% vs -1.06% for THRV, so SPY leads on 1-year performance. Over the longest common window we track (1 years), SPY annualized +16.12% vs -1.39% for THRV. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SPY or THRV?
SPY has been the more volatile fund at 12.6% annualized versus 3.6% for THRV. Worst drawdown: SPY -8.9% vs THRV -3.7%.
Should I hold both SPY and THRV?
SPY and THRV have a monthly-return correlation of 0.50, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SPY or THRV?
SPY yields 0.99% while THRV yields 7.68%, so THRV currently pays the higher dividend yield.
Is THRV better than SPY?
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.