FRGN vs SPY

Quick Verdict

SPY has a lower expense ratio. SPY offers more diversification with 503 holdings.

Lower Fees: SPYHigher Returns: TiedMore Diversified: SPY

Side-by-Side Comparison

MetricFRGNSPYWinner
Expense Ratio0.75%0.09%
AUM$99M$789.1B
Dividend Yield0.21%1.01%
Holdings284505
YTD Return+19.58%+13.50%
1Y Return-+23.56%
3Y Return (annualized)-+21.17%
5Y Return (annualized)-+13.46%
Volatility (annualized)-15.3%
Max Drawdown-12.4%-56.5%
Fund FamilyHorizon FundsState Street Investment Management
CategoryEquityEquity
InceptionDec 2, 2025Jan 22, 1993

FRGN vs SPY Performance

Horizon International Equity ETF (FRGN) is a ETF from Horizon Funds and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Year to date, FRGN is up 19.58% versus a gain of 13.50% for SPY.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -12.4% for FRGN and -56.5% for SPY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.

Fees and Cost Over Time

FRGN charges 0.75% per year while SPY charges 0.09%. On a $10,000 position that is $75 vs $9 annually, a gap of $66 per year that compounds over a long holding period. On income, FRGN currently yields 0.21% against 1.01% for SPY.

Holdings Overlap

0.1%overlap

FRGN and SPY share 1 holdings out of 785 unique holdings combined, representing a 0.1% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in FRGNWeight in SPYDifference
NDAQ0.72%0.06%0.66%

Frequently Asked Questions

Which is cheaper, FRGN or SPY?

FRGN has an expense ratio of 0.75% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $66 per year of difference.

What is the holdings overlap between FRGN and SPY?

FRGN and SPY share 1 common holdings with a 0.1% weight overlap. Combined, they hold 785 unique securities.

Which pays a higher dividend, FRGN or SPY?

FRGN yields 0.21% while SPY yields 1.01%, so SPY currently pays the higher dividend yield.

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