# VIP 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.

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

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| VIP | -99.92% | -99.97% | +15.24% |
| SPY | +83.62% | -24.49% | +13.34% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| VIP | +67.26% | +11.18% | -59.70% | -99.92% |
| SPY | +19.97% | +43.10% | +77.98% | +83.62% |

## Annual

| Year | VIP | SPY |
|---|---:|---:|
| YTD | +15.24% | +13.34% |
| 2025 | -10.30% | +18.01% |
| 2024 | -77.27% | +25.59% |
| 2023 | +142.24% | +26.73% |
| 2022 | -98.33% | -18.64% |
| 2021 | -92.91% | +6.51% |

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Research context only. Not personalized investment advice.