Compare expense ratios and 5-year returns between SPY, VOO, and IVV (S&P 500 ETFs).

```reference [{"type":"table-json","id":4}] ``` Key takeaways: • Expense ratio: SPY’s fee (0.0945%) is more than three times higher than VOO and IVV (both 0.03%). • 5-year total return (9/15/2020 – 9/15/2025): all three ETFs delivered almost identical performance—roughly +95%. • Since tracking error is negligible, the lower-cost options (VOO, IVV) provide the same long-term return at a fraction of SPY’s expense.