SPDR S&P 500 (SPY) 定投收益计算器
测算 SPDR S&P 500 (SPY) 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Large Blend (US)
资产规模 (AUM)
$811.94 Billion
管理费率 (Expense Ratio)
0.0945%
基金经理
State Street Global Advisors (SSGA)
SPDR S&P 500 (SPY) 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 22.8% CAGR | 5 年期 @ 13.8% CAGR | 10 年期 @ 15.3% CAGR |
|---|---|---|---|
| $100/月 | $5,201 累计投入: $3,600 | $8,659 累计投入: $6,000 | $28,316 累计投入: $12,000 |
| $250/月 | $13,002 累计投入: $9,000 | $21,648 累计投入: $15,000 | $70,791 累计投入: $30,000 |
| $500/月 | $26,005 累计投入: $18,000 | $43,297 累计投入: $30,000 | $141,582 累计投入: $60,000 |
| $1,000/月 | $52,010 累计投入: $36,000 | $86,594 累计投入: $60,000 | $283,165 累计投入: $120,000 |
| $2,500/月 | $130,025 累计投入: $90,000 | $216,484 累计投入: $150,000 | $707,912 累计投入: $300,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 SPDR S&P 500 ETF Trust
SPDR S&P 500 ETF Trust (SPY) is the world's very first exchange-traded fund launched in January 1993 and the most heavily traded financial security on earth. SPY provides unmatched liquidity, tightest bid-ask spreads, and the world's most liquid options chain for institutions and active traders.
投资策略与运作方式
Unit Investment Trust (UIT) Structure — Holds a portfolio of common stocks tracking the S&P 500 Index. Operates as a Unit Investment Trust that full-replicates the benchmark without securities lending or reinvesting dividends prior to payout.
核心亮点与产品特征
- World's first ETF launched in 1993, managing over $820 Billion in assets
- Highest daily trading volume and deepest options market in the financial universe
- Unit Investment Trust (UIT) structure with exact full replication
- Expense ratio of 0.0945%
历史年化收益表现 (CAGR)
近3年年化
22.84%
近5年年化
13.75%
近10年年化
15.26%
业绩基准
S&P 500 Index
Historical annualized returns as of August 2026. ETF investments are subject to market risks.
前五大核心持仓与行业分布
根据最新公开披露，SPDR S&P 500 (SPY) 的核心持仓与资产配置如下：
前五大重仓资产
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
行业板块分布
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%
风险特征与最大回撤
Standard deviation is ~15.0% over 3 years, perfectly mirroring the benchmark.
Experienced -33.9% drawdown during March 2020 and -23.9% in 2022.
交易规则与税费说明
Quarterly dividend distributions qualify predominantly for preferential capital gains tax rates.
哪些投资者不适合投资 SPDR S&P 500 (SPY)？
Strict buy-and-hold passive accumulators who can save basis points using VOO or SPYM.
基金经理简介
Sponsored by PDR Services LLC and managed by State Street Global Advisors.
适合哪些投资者？
Ideal for institutional investors, active traders, options strategists, and liquidity-first allocators requiring penny-wide spreads and billions in daily volume.
同类别及相关推荐基金
同类别备选基金
- Vanguard S&P 500 ETF (VOO)
- iShares Core S&P 500 ETF (IVV)
- SPDR Portfolio S&P 500 ETF (SPYM)
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
更多定投与财务规划实用工具
- 财务自由 (FIRE) 计算器 — 规划您的提前退休与被动收入目标
- 推迟定投成本计算器 — 直观测算推迟开始定投将损失的复利财富
- 定投 vs 还贷 (SIP vs EMI) 计算器 — 科学权衡提前还房贷还是坚持基金定投
常见问题解答 (FAQ) — SPDR S&P 500 (SPY)
SPDR S&P 500 (SPY) 的历史定投回报表现如何？
根据交易所公开历史数据，SPDR S&P 500 (SPY) 近3年年化回报率为 22.84%，近5年年化为 13.75%，近10年年化为 15.26%。 Historical annualized returns as of August 2026. ETF investments are subject to market risks.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 $500，5年后大约能积累多少资产？
按年化复合回报率 13.75% 测算，每月定投 $500（5年累计投入本金 $30,000），5年后预期期末总资产约为 $43,297，预期资产增值收益约为 $13,297。您可以使用上方计算器输入自定义金额与年份测试。
SPDR S&P 500 (SPY) 的前几大重仓资产包含哪些？
SPDR S&P 500 (SPY) 的核心重仓包括 Microsoft Corp. (MSFT)、Apple Inc. (AAPL)、NVIDIA Corp. (NVDA) 等知名标的。行业配置侧重于 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%。
SPDR S&P 500 (SPY) 的投资风险等级如何？
Standard deviation is ~15.0% over 3 years, perfectly mirroring the benchmark. 本基金可能不适合 Strict buy-and-hold passive accumulators who can save basis points using VOO or SPYM.
投资该基金有哪些税费或交易成本？
Quarterly dividend distributions qualify predominantly for preferential capital gains tax rates.
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情