OCIO vs SPY

Quick Verdict

SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.

Lower Fees: SPYHigher Returns: SPYMore Diversified: SPY

Side-by-Side Comparison

MetricOCIOSPYWinner
Expense Ratio0.65%0.09%
AUM$166M$789.1B
Dividend Yield9.65%1.01%
Holdings42505
YTD Return+8.65%+13.10%
1Y Return+16.43%+22.80%
3Y Return (annualized)+12.76%+20.98%
5Y Return (annualized)+7.02%+13.20%
Volatility (annualized)10.1%15.3%
Max Drawdown-24.2%-56.5%
Fund FamilyClearShares ETFsState Street Investment Management
CategoryAllocation/BalancedEquity
InceptionJun 26, 2017Jan 22, 1993

OCIO vs SPY Performance

Clearshares Ocio Etf (OCIO) is a ETF from ClearShares ETFs and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year OCIO returned +16.43% while SPY returned +22.80%. Year to date, OCIO is up 8.65% versus a gain of 13.10% for SPY.

Over three years, OCIO compounded at +12.76% per year against +20.98% for SPY; over five years the annualized figures are +7.02% and +13.20% respectively. Across the full 9-year window we track, SPY has the edge at +8.83% annualized vs +6.97%. 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 10.1% for OCIO. 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 -24.2% for OCIO 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.

Fees and Cost Over Time

OCIO 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, OCIO currently yields 9.65% against 1.01% for SPY.

Holdings Overlap

0.0%overlap

OCIO and SPY share 0 holdings out of 539 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, OCIO or SPY?

OCIO 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.

Which performed better, OCIO or SPY?

Over the past year OCIO returned +16.43% vs +22.80% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (9 years), OCIO annualized +6.97% vs +8.83% for SPY. Past performance does not guarantee future results.

Which is riskier, OCIO or SPY?

SPY has been the more volatile fund at 15.3% annualized versus 10.1% for OCIO. Worst drawdown: OCIO -24.2% vs SPY -56.5%.

Should I hold both OCIO and SPY?

OCIO and SPY have a monthly-return correlation of 0.97, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.

What is the holdings overlap between OCIO and SPY?

OCIO and SPY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 539 unique securities.

Which pays a higher dividend, OCIO or SPY?

OCIO yields 9.65% while SPY yields 1.01%, so OCIO currently pays the higher dividend yield.

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