MIN vs SPY
MIN vs SPY
Aberdeen Intermediate Income Fund vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | MIN | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.64% | 0.09% | |
| AUM | $297M | $789.1B | |
| Dividend Yield | 8.84% | 1.01% | |
| Holdings | 219 | 505 | |
| YTD Return | -2.77% | +9.93% | |
| 1Y Return | -1.96% | +19.50% | |
| 3Y Return (annualized) | +4.35% | +19.33% | |
| 5Y Return (annualized) | +0.39% | +12.82% | |
| Volatility (annualized) | 7.5% | 15.3% | |
| Max Drawdown | -57.9% | -56.5% | |
| Fund Family | Aberdeen Asset Management | State Street Investment Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 17, 1988 | Jan 22, 1993 |
MIN vs SPY Performance
Aberdeen Intermediate Income Fund (MIN) is a ETF from Aberdeen Asset Management and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year MIN returned -1.96% while SPY returned +19.50%. Year to date, MIN is down 2.77% versus a gain of 9.93% for SPY.
Over three years, MIN compounded at +4.35% per year against +19.33% for SPY; over five years the annualized figures are +0.39% and +12.82% respectively. Across the full 31-year window we track, SPY has the edge at +8.74% annualized vs -1.62%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.5% for MIN. 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 -57.9% for MIN and -56.5% for SPY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.12. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MIN charges 0.64% per year while SPY charges 0.09%. On a $10,000 position that is $64 vs $9 annually, a gap of $55 per year that compounds over a long holding period. On income, MIN currently yields 8.84% against 1.01% for SPY.
Holdings Overlap
MIN and SPY share 0 holdings out of 652 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, MIN or SPY?
MIN has an expense ratio of 0.64% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $55 per year of difference.
Which performed better, MIN or SPY?
Over the past year MIN returned -1.96% vs +19.50% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (31 years), MIN annualized -1.62% vs +8.74% for SPY. Past performance does not guarantee future results.
Which is riskier, MIN or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 7.5% for MIN. Worst drawdown: MIN -57.9% vs SPY -56.5%.
Should I hold both MIN and SPY?
MIN and SPY have a monthly-return correlation of 0.12, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MIN and SPY?
MIN and SPY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 652 unique securities.
Which pays a higher dividend, MIN or SPY?
MIN yields 8.84% while SPY yields 1.01%, so MIN currently pays the higher dividend yield.
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