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GAL vs UCBG

State Street Global Allocation ETF

GALBNYSE Arca

State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF

UCBGANYSE Arca

Overlap

0.1%by weight

Expense ratio

UCBG −0.29pt a year

GAL0.35%UCBG0.06%

Avg volume · 30D

UCBG 283.0×the volume

GAL14.7KUCBG4.15M

GAL vs UCBG Performance

Oct 2, 2026 – Nov 2, 2026

−0.9%GAL−2.0%UCBG

Oct 2, 2026 to Nov 2, 2026. GAL −0.9%. UCBG −2.0%. Use the arrow keys to read each point.−1.5%−0.5%0%0.5%1%Oct 2Oct 16Nov 2
Expense ratio
GAL 0.35%
UCBG 0.06%, better
Fund size
GAL $319M
UCBG $2.52B
1Y total return
GAL +8.3%
UCBG No data
Yield (12M)
GAL 3.25%
UCBG No data
Holdings
GAL 19
UCBG 868
Avg volume (30D)
GAL 14.7K sh
UCBG 4.15M sh, better
NAV per share
GAL $52.69
UCBG $50.56
52W range

ETF.net Grade

GAL: Cost 72, Risk 66, Mission 56, Tradability 65, Holdings 48, Durability 83. UCBG: Cost 100, Risk not scored, Mission 99, Tradability 99, Holdings 79, Durability 66.
Pillar letters and Scores for GAL, UCBG, with each pillar’s weight
PillarGALUCBG
Cost30% weightA72A100Higher
Mission25% weightB56A99Higher
Risk15% weightB66Not scored
Tradability15% weightB65A99Higher
Holdings10% weightC48A79Higher
Durability5% weightA83HigherB66

Rank among Multi-Asset Allocation funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. GAL and UCBG are both graded against the same 37 Multi-Asset Allocation funds, so their Grades compare head to head.

Multi-Asset Allocation⁠

Category · 37 funds
See all 37 ›

UCBG ranks 1st and GAL 8th of 37 funds in the Multi-Asset Allocation Category.

  1. Rank 1AUCBGState Street SPDR UC Investments 90/10 Endowment Strategy Index ETFScore 95
  2. Rank 2AAOAiShares Core 80/20 Aggressive Allocation ETFScore 88
  3. Rank 7BDDVDefined Duration 5 ETFScore 67
  4. Rank 8BGALState Street Global Allocation ETFScore 64
  5. Rank 9BTBFCBrinsmere Fund Conservative ETFScore 62

Our read on each fund

ETF.net Research

GALBState Street Global Allocation ETF

UCBGAState Street SPDR UC Investments 90/10 Endowment Strategy Index ETF

In short

GAL A whole portfolio in one ticker. State Street's allocation team stacks ETFs across asset classes, anchors around a 60% equity mix, and keeps at least 30% of the money in securities tied outside the US.

UCBG No data

Stated mandate

GAL The fund seeks capital appreciation by investing in exchange traded funds across a diversified mix of asset classes. It generally invests at least 30% in securities tied to countries outside the U.S. and typically allocates about 60% to equities, subject to tactical decisions.

UCBG No data

Why people hold it

  • GAL Charges 0.35% a year, well under half the 0.78% typical of allocation funds. Cheap for a hands-on, actively steered multi-asset portfolio.
  • Built-in global tilt: at least 30% goes to securities tied to countries outside the US, a rule many US-centric balanced funds leave to the manager's mood.ssga.com
  • Trading since 2012, so the strategy has run through several full market cycles rather than one lucky stretch.
  • One buy gets a diversified mix, and the roughly 60/40 equity baseline plus tactical shifts happen inside the fund instead of on your rebalancing to-do list.

UCBG No data

Worth knowing

  • GAL Thinly traded next to the category's giants, so spreads can widen and limit orders carry more weight than they would in a heavily traded fund.
  • It holds ETFs, not individual stocks and bonds. Your real exposure depends on the underlying funds the managers pick, which adds a layer between you and the securities.ssga.com
  • Cheaper allocation options exist: AOA runs 0.19% and IRTR 0.08%, though both follow fixed glide paths rather than the tactical shifts GAL is built for.

UCBG No data

Full GAL profile⁠

Full UCBG profile⁠

GAL vs UCBG Holdings

How GAL and UCBG differ

Overlap by weight

0.1%

Shared holdings make up 0.4% of GAL and 0.3% of UCBG.

Level by level

  • Holdings0 in both0.1%
  • Countryby domicile70.9%
  • Sector11 Sectors84.7%

Sector

Sector weights in GAL and UCBG, widest gap first
SectorMore in GALMore in UCBG
TechnologyUCBG +11.1 points
FinancialsGAL +5.0 points
IndustrialsGAL +4.5 points
MaterialsGAL +3.3 points
CommunicationUCBG +3.1 points
Real EstateGAL +1.1 points
Health CareUCBG +1.1 points
EnergyGAL +0.7 points
UtilitiesGAL +0.3 points
Consumer DiscretionaryGAL +0.2 points
Consumer StaplesGAL +0.2 points

Country, concentration and asset class

Country by domicile

Country weights in GAL and UCBG, widest gap first
CountryMore in GALMore in UCBG
United StatesUCBG +28.3 points
JapanGAL +7.4 points
TaiwanGAL +3.8 points
CanadaGAL +2.8 points
ChinaGAL +2.6 points
FranceGAL +2.0 points
AustraliaGAL +1.9 points
SwitzerlandGAL +1.7 points
Other countries (31)GAL +6.3 points

Outside the US: GAL 69% developed, 31% emerging.

Concentration

Weight in the 10 largest Holdings

  • GAL88.7%
  • UCBG33.6%

Securities held

  • GAL17
  • UCBG866

Asset class

GAL
Multi-Asset
UCBG
Multi-Asset

Holdings

  • Only in GAL17
  • In both0
  • Only in UCBG866

Only in GAL

17 securities, 99.6% of GAL by weight

  • State Street Spdr S+p 500 Etf24.21%
  • State Street Spdr Portfolio AG17.81%
  • State Street Spdr Portfolio De16.00%

Only in UCBG

866 securities, 99.7% of UCBG by weight

  • NVIDIA Corp6.99%
  • Apple Inc6.89%
  • Microsoft Corp5.32%

Weight gaps

GAL and UCBG share no securities.

All 17 GAL holdings⁠All 503 UCBG holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

GAL vs UCBG Cost

Overpaying GAL vs UCBG

$5,856

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • GAL 0.35%

    $7,126

  • UCBG 0.06%

    $1,270

$10,000
30 years

Cost over time

  • GAL 0.35%
  • UCBG 0.06%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$2K$4K$6K$8K051015202530GAL $7,126UCBG $1,270

Year by year

YearGALUCBGOverpaying
10$634$110$524
20$2,454$432$2,022
30$7,126$1,270$5,856

Expense ratio

  • 0.35%GAL
  • 0.06%UCBG, cheaper
  • Middle half of Multi-Asset Allocation funds
  • Median 0.57%

UCBG cheapest of 37 funds

GAL 11th cheapest of 37 funds

GAL vs UCBG Dividends

Last 12 months to Nov 2, 2026
Yield (12M)
GAL 3.25%
UCBG No data
Payout (12M)
GAL $1.70
UCBG No data
Last payment
GAL $0.28
UCBG $0.04
Ex-dividend
GAL Sep 25, 2026
UCBG Sep 21, 2026
Paid on
GAL Sep 29, 2026
UCBG Sep 23, 2026
Frequency
GAL Quarterly
UCBG Irregular

Distribution history

Per share, 2017 to 2026, same scale for both

GALQuarterly · 39 paymentsAll GAL payments⁠
One bar per payment. 39 payments from 2017 to 2026 YTD. Mar 31, 2017 $0.12; Jun 30, 2017 $0.29; Sep 29, 2017 $0.12; Dec 27, 2017 $0.34; Mar 23, 2018 $0.06; Jun 25, 2018 $0.28; Sep 24, 2018 $0.16; Dec 27, 2018 $0.34; Mar 19, 2019 $0.12; Jun 25, 2019 $0.38; Sep 24, 2019 $0.22; Dec 24, 2019 $0.47; Mar 24, 2020 $0.14; Jun 23, 2020 $0.26; Sep 22, 2020 $0.15; Dec 29, 2020 $0.36; Mar 23, 2021 $0.08; Jun 22, 2021 $0.31; Sep 21, 2021 $0.16; Dec 28, 2021 $1.31; Mar 22, 2022 $0.11; Jun 21, 2022 $0.39; Sep 20, 2022 $0.43; Dec 20, 2022 $1.40; Mar 21, 2023 $0.13; Jun 20, 2023 $0.40; Sep 19, 2023 $0.39; Dec 19, 2023 $0.14; Mar 19, 2024 $0.15; Jun 25, 2024 $0.48; Sep 24, 2024 $0.23; Dec 26, 2024 $0.47; Mar 26, 2025 $0.18; Jun 25, 2025 $0.43; Sep 24, 2025 $0.28; Dec 29, 2025 $0.83; Mar 26, 2026 $0.14; Jun 25, 2026 $0.45; Sep 25, 2026 $0.28. Use the arrow keys to read each point.$0$12017202020232026YTD
UCBGIrregular · 1 paymentAll UCBG payments⁠
One bar per payment. 1 payment from 2017 to 2026 YTD. Sep 21, 2026 $0.04. Use the arrow keys to read each point.$0$12017202020232026YTD

GAL vs UCBG Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
GAL 7.9%UCBG No data
Return per unit of riskSharpe ratio, 3 years
GAL 1.26UCBG No data
Worst fallMax drawdown, 5 years
GAL −21.1%UCBG No data
Market sensitivityBeta, 5 years
GAL 0.89UCBG 0.00

GAL and UCBG in the news

All news⁠

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