SPDR Portfolio S&P 500 ETF Returns Calculator
Calculate historical returns and project future compounding for SPDR Portfolio S&P 500 (SPYM). Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Large Blend (US)
AUM
$170+ Billion
Expense Ratio
0.02%
Fund Manager
State Street Global Advisors (SSGA)
SPDR Portfolio S&P 500 (SPYM) Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 22.9% CAGR | 5 Years @ 13.8% CAGR | 10 Years @ 15.3% CAGR |
|---|---|---|---|
| $100/mo | $5,209 Invested: $3,600 | $8,681 Invested: $6,000 | $28,404 Invested: $12,000 |
| $250/mo | $13,022 Invested: $9,000 | $21,703 Invested: $15,000 | $71,010 Invested: $30,000 |
| $500/mo | $26,044 Invested: $18,000 | $43,406 Invested: $30,000 | $142,021 Invested: $60,000 |
| $1,000/mo | $52,089 Invested: $36,000 | $86,812 Invested: $60,000 | $284,042 Invested: $120,000 |
| $2,500/mo | $130,221 Invested: $90,000 | $217,029 Invested: $150,000 | $710,104 Invested: $300,000 |
* Projections calculated using actual historical 3-year (22.93%), 5-year (13.84%), and 10-year (15.31%) performance data. Actual mutual fund returns fluctuate with market NAV.
About SPDR Portfolio S&P 500 ETF
State Street's flagship low-cost S&P 500 retail ETF (formerly SPLG, ticker updated to SPYM). Offering an industry-floor expense ratio of 0.02% and a low share price, SPYM is designed as an ultra-cost-efficient vehicle for buy-and-hold retail investors and automated recurring portfolios.
Investment Strategy
Passive Indexing â Seeks to provide investment results that correspond generally to the total return performance of the S&P 500 Index using market-cap weighted full replication across 500 leading US corporations.
Key Facts
- Ultra-low 0.02% expense ratio ($2 per year per $10,000 invested)
- Tracks 500 large-cap US corporations in the S&P 500 Index
- Lower per-share price making fractional share and dollar-cost averaging highly accessible
- Over $170 Billion in ETF assets under management
Historical Returns
3-Year CAGR
22.93%
5-Year CAGR
13.84%
10-Year CAGR
15.31%
Benchmark
S&P 500 Index
Historical annualized returns as of August 2026. ETF investments are subject to market risks.
Top Holdings & Sector Allocation
As of September 2026, SPDR Portfolio S&P 500 (SPYM)'s portfolio includes:
Top 5 Holdings
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
Sector Allocation
Information Technology 32.4%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%
Risk & Drawdowns
Standard deviation of ~15.0% with a beta of 1.00 relative to the S&P 500.
Experienced -33.9% drawdown during early 2020 and -23.9% in 2022.
Tax Treatment
Exceptional ETF tax efficiency. Quarterly dividends qualify largely for preferential qualified dividend tax rates (0%/15%/20%).
Who Should NOT Invest in SPDR Portfolio S&P 500 (SPYM)?
Active daily options day-traders who need maximum SPY penny-wide option liquidity.
About the Fund Manager
Managed by State Street Global Advisors passive equity index team.
Who Is This Fund Suitable For?
Ideal for long-term retail investors, dollar-cost averagers, and IRA accounts seeking the lowest expense ratio for S&P 500 exposure from State Street.
More Funds from SPDR & Similar Schemes
Similar Funds to Consider
- Vanguard S&P 500 ETF (VOO)
- iShares Core S&P 500 ETF (IVV)
- SPDR S&P 500 ETF Trust (SPY)
Or compare side by side using our main SIP calculator â you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for SPDR Portfolio S&P 500 (SPYM) Investors
- FIRE Calculator â Plan your retirement corpus with SPDR Portfolio S&P 500 (SPYM) as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in SPDR Portfolio S&P 500 (SPYM) could cost you
- SIP vs EMI Calculator â Compare investing in SPDR Portfolio S&P 500 (SPYM) vs paying off loans
Frequently Asked Questions About SPDR Portfolio S&P 500 (SPYM)
What is the historical SIP return of SPDR Portfolio S&P 500 (SPYM)?
Based on the latest data, SPDR Portfolio S&P 500 (SPYM) has delivered an annualized return (CAGR) of 22.93% over 3 years, 13.84% over 5 years, and 15.31% over 10 years. Experienced -33.9% drawdown during early 2020 and -23.9% in 2022.
How is SPDR Portfolio S&P 500 (SPYM) SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in SPDR Portfolio S&P 500 (SPYM) generate over 5 years?
At an estimated annual return rate of 13.84%, a monthly $500 investment ($30,000 total invested) would grow to approximately $43,406 in 5 years, yielding an estimated wealth gain of $13,406. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in SPDR Portfolio S&P 500 (SPYM)?
SPDR Portfolio S&P 500 (SPYM)'s top holdings include Microsoft Corp. (MSFT), Apple Inc. (AAPL), NVIDIA Corp. (NVDA), and Amazon.com Inc. (AMZN). The fund's sector allocation is Information Technology 32.4%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%.
What is the risk profile of SPDR Portfolio S&P 500 (SPYM)?
Standard deviation of ~15.0% with a beta of 1.00 relative to the S&P 500. This fund may not be suitable for active daily options day-traders who need maximum spy penny-wide option liquidity..
What are the tax implications of investing in SPDR Portfolio S&P 500 (SPYM)?
Exceptional ETF tax efficiency. Quarterly dividends qualify largely for preferential qualified dividend tax rates (0%/15%/20%).
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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