UCBG - ETF AI Analysis
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State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF (UCBG)
UCBG’s rating reflects a portfolio anchored by high-quality tech leaders like Apple, Microsoft, and Alphabet, whose strong financial performance, profitability, and growth in AI, cloud, and services provide a solid foundation for the fund. However, several major holdings such as Nvidia, Tesla, Meta, and Eli Lilly face valuation and technical concerns, and the fund’s heavy concentration in large U.S. technology and growth stocks increases risk if that sector or style falls out of favor.
UCBG vs. SPDR S&P 500 ETF (SPY)
- AUM
- 2.52B
- Region
- North America
- Expense Ratio
- 0.06%
- Beta
- 0.88
- Issuer
- State Street
- Inception Date
- Sep 01, 2026
- Dividend Yield
- 0.09%
- Asset Class
- Equity
- Index Tracked
- UC Investments 90/10 Endowment Strategy Index - USD - Benchmark TR Gross
UCBG Summary
UCBG is an ETF that follows the UC Investments 90/10 Endowment Strategy Index, aiming for long-term growth by investing about 90% in stocks and 10% in bonds and other diversifying assets. It holds many large U.S. companies, including well-known names like Apple, Nvidia, Microsoft, Amazon, and Alphabet, with a big tilt toward technology. Someone might invest in UCBG to get broad, stock-focused exposure in one fund and seek higher growth over many years. However, because it is heavily invested in stocks, especially tech, its value can rise and fall sharply with the market.
How much will it cost me?
This ETF has an annual expense ratio of 0.06%, which means you’ll pay about $0.60 per year for every $1,000 invested. That’s lower than the average ETF cost because it’s a passively managed fund that tracks an index rather than paying managers to pick individual investments.
What would affect this ETF?
UCBG is heavily invested in large U.S. technology and growth companies like Nvidia, Apple, and Microsoft, so advances in innovation, strong corporate earnings, and a healthy U.S. economy could boost its long-term returns. On the negative side, higher interest rates, market downturns, or tighter regulations on big tech and U.S. companies could hurt performance, and its aggressive 90% stock allocation means it may fall more than balanced funds when markets are weak.
UCBG Top 10 Holdings
UCBG is leaning heavily on Big Tech, with Microsoft and Apple acting as the main engines of recent gains as their cloud, AI, and services stories keep humming along. Nvidia is still a key growth driver, but its momentum has turned more mixed, adding some wobble to the ride. Alphabet’s twin share classes and Meta are in a softer patch, occasionally taking the wind out of the fund’s sails, while Broadcom has been noticeably lagging. Tesla’s slump is another drag, partly offset by the steady strength of Eli Lilly. Overall, this is a U.S.-centric, tech-heavy growth vehicle with a few notable healthcare and consumer names for balance.
| Name | Company Name | Weight % | Market Value | Market Cap | Yearly Gain | Overall Rating |
|---|---|---|---|---|---|---|
 NVDA | Nvidia | 7.00% | $176.46M | $4.93T | 0.86% | 76Outperform |
 AAPL | Apple | 6.90% | $173.77M | $5.03T | 26.98% | 79Outperform |
 MSFT | Microsoft | 5.33% | $134.33M | $3.88T | -0.73% | 79Outperform |
 AMZN | Amazon | 3.24% | $81.67M | $2.59T | 7.85% | 71Outperform |
 GOOGL | Alphabet Class A | 2.26% | $56.84M | $3.41T | -0.58% | 85Outperform |
 AVGO | Broadcom | 2.22% | $55.89M | $1.56T | -13.38% | 76Outperform |
 GOOG | Alphabet Class C | 1.82% | $45.80M | $3.41T | -1.31% | 82Outperform |
 META | Meta Platforms | 1.86% | $46.92M | $1.57T | -7.72% | 76Outperform |
 TSLA | Tesla | 1.54% | $38.78M | $1.58T | -9.15% | 73Outperform |
 MU | Micron | 1.43% | $36.00M | $1.00T | 294.96% | 79Outperform |
UCBG Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For UCBG, the sentiment is Negative. The current price of 49.73 is below the 20-day moving average (MA) of 50.60, compared to the 50-day MA of , and compared to the 200-day MA of , indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 39.53 is Neutral, neither overbought nor oversold. The STOCH value of 50.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UCBG.
UCBG Peer Comparison
Comparison Results
| Name | Price | Price Target | AUM | Expense Ratio | Overall Rating |
|---|---|---|---|---|---|
| UCBG | $49.73 | $54.00(8.59% Upside) | $2.52B | 0.06% | 67Neutral |
 JQUA | $75.52 | $89.36(18.32% Upside) | $9.70B | 0.12% | 73Outperform |
 VONE | $341.66 | $429.22(25.63% Upside) | $9.54B | 0.06% | 73Outperform |
 FELC | $42.70 | $52.71(23.44% Upside) | $8.88B | 0.18% | 74Outperform |
 QYLD | $17.89 | $23.77(32.87% Upside) | $8.41B | 0.60% | 74Outperform |
 TCAF | $42.82 | $53.78(25.60% Upside) | $8.15B | 0.31% | 69Neutral |
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| UCBG | State Street SPDR UC Investments 90/10 Endowment Strategy Index ETF | 49.73 | -0.43 | -0.86% | |
| JQUA | JPMorgan U.S. Quality Factor ETF | 75.52 | 13.70 | 22.17% | |
| VONE | Vanguard Russell 1000 ETF | 341.66 | 35.48 | 11.59% | |
| FELC | Fidelity Enhanced Large Cap Core ETF | 42.70 | 4.97 | 13.16% | |
| QYLD | Global X NASDAQ 100 Covered Call ETF | 17.89 | 2.40 | 15.52% | |
| TCAF | T. Rowe Price Capital Appreciation Equity ETF | 42.82 | 4.28 | 11.12% |
This AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.