Quick Read SPYM's cap-weighted structure delivered +323% over 10 years versus RSP's +203%, as mega-cap tech giants automatically captured more capital with every gain. Apple alone holds 6.59% of SPYM's $154 billion in assets, making it a concentrated mega-cap bet disguised as broad market diversification. RSP weights all 500 stocks equally and tilts toward industrials and financials, only outperforming SPYM when mega-cap tech leadership durably fades. Two retirees, same $1 million, same 4% rule, buy one finished with $1.4 million, the other hit $0 in 12 years. Our free reader guide explains the flaw that separated them, and the income-first method built to avoid it.
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