FXAIX vs SPY: Yield, Cost and Returns Compared
As of Nov 5, 2026, FXAIX yields more: 1.05% (dividend yield) against 1.02% for SPY. FXAIX is cheaper to own at 0.01% a year vs 0.09%.
SPYState Street SPDR S&P 500 ETF Trust1.02%dividend yield| Compared | FXAIX | SPY |
|---|---|---|
| YieldDividend yield | 1.05% | 1.02% |
| Expense ratio | 0.01% | 0.09% |
| Total return, 1 yr | — | +12.0% |
| Total return, 3 yr (a year) | — | +23.3% |
| Total return, 5 yr (a year) | — | +12.0% |
| Total return, 10 yr (a year) | — | +15.3% |
| Pays | Quarterly | Quarterly |
| Issuer | Fidelity | State Street Investment Management |
| Assets | $850.8B | $796.9B |
| Started | 2011 | 1993 |
| Type | Large Blend | Large Blend |
Higher yield
FXAIX
1.05%
Lower cost
FXAIX
0.01%
Key facts: FXAIX vs SPY
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, FXAIX yields 1.05% (dividend yield) and SPY yields 1.02% (dividend yield).
- FXAIX's expense ratio is 0.01% and SPY's is 0.09%: $1 vs $9 a year on $10,000.
- 9 of FXAIX's top ten holdings are also in SPY's top ten, an overlap of at least 35% of the fund.
Cite this page
SmarterDividends, "FXAIX vs SPY: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/fxaix-vs-spy
Top holdings
9 of the top ten overlap, at least 35% of each fund.
FXAIX
- NVDA NVIDIA Corp8.4%
- AAPL Apple Inc7.4%
- MSFT Microsoft Corp5.8%
- AMZN Amazon.com Inc3.7%
- GOOGL Alphabet Inc Class A3.1%
- AVGO Broadcom Inc2.5%
- GOOG Alphabet Inc Class C2.5%
- META Meta Platforms Inc Class A2.4%
- MU Micron Technology Inc1.8%
- TSLA Tesla Inc1.5%
SPY
- AAPL Apple Inc7.7%
- NVDA NVIDIA Corp7.6%
- MSFT Microsoft Corp5.9%
- AMZN Amazon.com Inc3.6%
- GOOGL Alphabet Inc Class A2.5%
- AVGO Broadcom Inc2.4%
- META Meta Platforms Inc Class A2.1%
- GOOG Alphabet Inc Class C2.0%
- LLY Eli Lilly and Co1.7%
- TSLA Tesla Inc1.7%
FXAIX vs SPY: questions
Is FXAIX or SPY better?
It depends on the job. FXAIX pays more today (1.05% vs 1.02%), FXAIX costs less. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, FXAIX or SPY?
FXAIX, at 1.05% against 1.02% for SPY as of Nov 5, 2026. On $10,000 that's about $105 vs $102 a year at today's rates.
Which is cheaper, FXAIX or SPY?
FXAIX, with a 0.01% expense ratio against 0.09%.
Do FXAIX and SPY hold the same things?
Partly. 9 of their top ten holdings match (NVDA, AAPL, MSFT, AMZN), at least 35% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. FXAIX leads on 2 of 2 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.