OriginaveSPYL — SPDR S&P 500 UCITS ETF (Acc)
SPDR S&P 500 UCITS ETF (Acc): what it is, what it costs, and what its EUR line on Xetra actually returned — dividends reinvested.
Every figure here is in euros — what you'd actually pocket buying on Xetra. Fund fact sheets usually headline returns in US dollars, which can look very different: in 2025 a world tracker rose about 23% in dollars but only about 9% in euros, because the euro gained roughly 13% against the dollar. Here's the full story, year by year.
SPYL in plain words
SPYL is the SPDR S&P 500 UCITS ETF (Acc) from State Street. It tracks the S&P 500 Index and costs 0.03% a year, quietly deducted from returns. No cash payouts — SPYL is an accumulating fund. Dividends are reinvested inside the fund and show up as a higher share price instead of landing in your account.
€10,000 invested at the start of 2023 was worth €14,996 by the end of 2025 — an average of 14.5% per year over 3 full years, dividends reinvested. Its best full year so far was 2024 (+32.33%), its worst 2025 (+4.71%) — the range you sign up for.
SPYL also trades in USD on the London Stock Exchange, where SPXL is its GBP line, ISIN IE000XZSV718 — this page follows its EUR line on Xetra.
SPYL fund facts
| Fund | SPDR S&P 500 UCITS ETF (Acc) |
|---|---|
| Provider | State Street |
| Tracks | S&P 500 Index |
| Yearly cost (TER) | 0.03% |
| Dividends | Accumulating — reinvested automatically |
| Launched | 31 Oct 2023 |
| ISIN | IE000XZSV718 |
| WKN | A3EUC1 |
Curious what the index actually holds? Read our S&P 500 Index profile.
SPYL returns by year (EUR)
| Year | Total return |
|---|---|
| 2026 (so far) | +12.05% |
| 2025 | +4.71% |
| 2024 | +32.33% |
| 2023 | +8.23% |
Calendar-year total returns of SPYL in EUR, dividends reinvested — the ETF tracking this index, not the raw index level.
Frequently asked
Is SPYL a good investment?
SPYL is a broad, low-effort way to own the S&P 500 Index at 0.03% a year. €10,000 invested at the start of 2023 was worth €14,996 by the end of 2025 — an average of 14.5% per year over 3 full years, dividends reinvested. Whether it fits depends on your goals and horizon — past returns don't promise future ones, but this is the actual track record.
What is SPYL's TER?
SPYL's total expense ratio (TER) is 0.03% per year, deducted continuously from the fund's assets — you never get a bill, the returns are simply quoted after costs.
Does SPYL pay dividends?
No cash payouts — SPYL is an accumulating fund. Dividends are reinvested inside the fund and show up as a higher share price instead of landing in your account.
What would €10,000 invested in SPYL be worth?
€10,000 invested at the start of 2023 was worth €14,996 by the end of 2025 — an average of 14.5% per year over 3 full years, dividends reinvested.
Curious about other amounts or start years? Try the SPYL what-if calculator.