# FIO Protocol USD (FIOUSD) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

FIO Protocol USD (FIOUSD) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: FIOUSD -99.73%, SPY +88.08%. Regime FIOUSD CRISIS · SPY BULL. As of Oct 12, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/FIOUSD/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=FIOUSD%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| FIOUSD | -99.73% | -99.90% | -95.93% |
| SPY | +88.08% | -24.49% | +14.79% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| FIOUSD | -97.09% | -98.55% | -97.55% | -99.73% |
| SPY | +18.62% | +36.24% | +86.06% | +88.08% |

## Annual

| Year | FIOUSD | SPY |
|---|---:|---:|
| YTD | -95.93% | +14.79% |
| 2025 | -71.97% | +18.01% |
| 2024 | +45.45% | +25.59% |
| 2023 | +2.56% | +26.73% |
| 2022 | -83.25% | -18.64% |
| 2021 | -13.79% | +7.72% |

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Research context only. Not personalized investment advice.