Compare · 3 funds side by side · dividends reinvested

AFIF, SPY and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,118SPY · best of the three

02 / 04

AFIF, SPY and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$778B1.8

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.8

Anfield Universal Fixed Income ETFBonds & Cash · Core aggregate0.85%4.19%+1.6%+2.4%+6.3%+3.7%−1.6%2.6%$698M2.4

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: AFIF 2018 · SPY 1993 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Anfield Universal Fixed Income ETF · $698M$12,018

AFIF

SPY

State Street SPDR S&P 500 ETF · $778B$17,118

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

AFIFMeasureSPY

+1.6%Year to dateJan 1 → Nov 6+8.7%

+2.4%1 yearTotal return+9.7%

+6.3%3 years · per year$10,000 became $12,003 · $18,039+21.7%

+3.7%5 years · per year$10,000 became $12,018 · $17,118+11.3%

0.85%Expense ratio$85 · $9 a year on $10k · lower is better0.09%

4.19%Trailing 12-mo yield$419 · $103 a year on $10k1.03%

−1.6%Worst dropSmaller is better−8.9%

2.6%VolatilityLower is calmer13.6%

AFIFSPY Winner of the row, in its colourEach row: the bigger of the two fills its side

3–5SPY wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

AFIF vs SPY: Top 5 Holdings

Today

AFIF

4.3%in top 5

SPY

in top 527.8%

AFIFStockSPY

not top 5AAPL7.9%

not top 5NVDA6.9%

not top 5MSFT6.3%

not top 5AMZN4.0%

not top 5GOOGL2.6%

2.1%LMBSnot top 5

2.1%IGSBnot top 5

Held in common0.0%

End-of-day Nov 6, 2026 · share of each fund

AFIF vs SPY Returns, Every Period

Horizon FundsAFIF

+3.7%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

AFIFSPYFaded: behind in that period

0–4SPY wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

AFIF vs SGOV

YTD

Horizon FundsAFIF

+1.6%

SGOViShares

+3.2%

+1.6%Year to date+3.2%

−1.6%Worst drop · 1Y+0.0%

2.6%Volatility · 1Y0.2%

4.2%Yield3.6%

$698MAssets$117B

3–1SGOV wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: AFIF, SPY, SGOV

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

SGOV0.09%$9

AFIF0.85%$85

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: AFIF, SPY, SGOV

4.19%highest, AFIF

FundTrailing yieldYield$10k

AFIF4.19%$419

SGOV3.63%$363

SPY1.03%$103

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

AFIF$419 − $85 = $334

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: AFIF, SPY, SGOV

Today

0.0%most shared, AFIF and SPY

AFIFSPYSGOV

AFIF—0.0%[…]

SPY0.0%—[…]

SGOV[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+9.7%SPY, at 13.6% volatility

SGOVWorst drop0.0%0.2% vol

AFIFWorst drop−1.6%2.6% vol

SPYWorst drop−8.9%13.6% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

AFIFSPY

+1.6%Year to date+8.7%

4.2%Yield1.0%

+2.4%Past year+9.7%

0.85%Fee0.09%

3–1SPY wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026