Side by side

CSPX vs SPYL

Both track the S&P 500 from Ireland and reinvest dividends. SPYL charges less (0.03% vs 0.07%); CSPX is much larger with a longer track record. Over decades the fee gap adds up, but slowly.

$
$
yrs
Same return for bothIsolates the effect of fees
%
A fair, like-for-like testBoth funds get the same return, so any difference comes from fees alone.
Subtract fund fees
Show in today's moneyAdjust for inflation
Currency

After 25 years

CSPX vs SPYL
CSPX
$542,276
8% − 0.07% fee · fees cost $6,639
SPYL
$546,058
8% − 0.03% fee · fees cost $2,857

SPYL ends $3,782 ahead (0.7% more), entirely because of its lower fee.

You put in $160,000 either way.

How they differ

CSPXSPYL
IndexS&P 500S&P 500
Fee (TER)0.07%0.03%
DividendsAccumulatingAccumulating
DomicileIrelandIreland
ListingLondon Stock Exchange (USD)London Stock Exchange (USD)
ProvideriSharesSPDR (State Street)

Highlighted rows are where the two funds differ.

Growth side by side

Hover or tap the chart for any year
CSPX balanceYour contributionsSPYL
$0$150k$300k$450k$600kNowYr 2Yr 4Yr 6Yr 8Yr 10Yr 12Yr 14Yr 16Yr 18Yr 20Yr 22Yr 25

Assumes monthly compounding at constant rates with contributions at the end of each month. Before personal taxes. Educational estimate only — real returns vary year to year.

Key differences

  • Both track the S&P 500, so their holdings are essentially the same.
  • SPYL is cheaper: 0.03% a year versus 0.07%. On $10,000 plus $500 a month for 25 years at 7%, that fee gap is worth about $3,103.

About each fund

CSPX — iShares Core S&P 500 UCITS ETF (Acc)

Tracks the 500 largest US companies, domiciled in Ireland. Often used by non-US investors who want S&P 500 exposure with reinvested dividends and a lower dividend withholding tax than US-domiciled funds.

SPYL — SPDR S&P 500 UCITS ETF (Acc)

A very low-cost Irish-domiciled S&P 500 fund. It holds the same index as CSPX and VUAA; its main appeal is a lower annual fee.

Fund details checked November 2026. Always confirm current figures on each provider's factsheet.

Questions about CSPX vs SPYL

Is CSPX or SPYL better?

They track the same index (S&P 500), so neither is better at what it holds. Decide on fees, dividend handling and which one your broker offers cheaply.

Which is cheaper, CSPX or SPYL?

SPYL is cheaper at 0.03% a year, versus 0.07%. Fees checked November 2026; confirm with each provider.

Can I hold both CSPX and SPYL?

You can, but it adds little: they hold the same companies, so owning both mostly duplicates your exposure.

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