FTHB 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

MetricFTHBSPYWinner
Expense Ratio0.65%0.09%
AUM$10M$789.1B
Dividend Yield1.01%1.01%
Holdings20505
YTD Return+2.34%+13.79%
1Y Return-+23.66%
3Y Return (annualized)-+21.40%
5Y Return (annualized)-+13.37%
Volatility (annualized)-15.3%
Max Drawdown-1.4%-56.5%
Fund FamilyFaith Investor ServicesState Street Investment Management
CategoryFixed IncomeEquity
InceptionMar 19, 2026Jan 22, 1993

FTHB vs SPY Performance

FIS Faith Income ETF (FTHB) is a ETF from Faith Investor Services and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Year to date, FTHB is up 2.34% versus a gain of 13.79% for SPY.

Risk: Volatility and Drawdowns

The deepest peak-to-trough decline in our data was -1.4% for FTHB 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

FTHB charges 0.65% per year while SPY charges 0.09%. On a $10,000 position that is $65 vs $9 annually, a gap of $56 per year that compounds over a long holding period. On income, FTHB currently yields 1.01% against 1.01% for SPY.

Holdings Overlap

0.0%overlap

FTHB and SPY share 0 holdings out of 517 unique holdings combined, representing a 0.0% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Frequently Asked Questions

Which is cheaper, FTHB or SPY?

FTHB has an expense ratio of 0.65% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $56 per year of difference.

What is the holdings overlap between FTHB and SPY?

FTHB and SPY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 517 unique securities.

Which pays a higher dividend, FTHB or SPY?

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

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