Compare · 3 funds side by side · dividends reinvested

AFIF, SPY and VTI

AFIFHorizon Funds×SPYSPDR×VTIVanguard×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$18,060SPY · best of the three

02 / 04

AFIF, SPY and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B1.9

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.05%+13.4%+13.5%+24.0%+11.5%−8.9%13.1%$689B1.9

Anfield Universal Fixed Income ETFBonds & Cash · Core aggregate0.85%4.19%+1.6%+2.7%+6.2%+3.7%−1.6%2.6%$682M2.3

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

End-of-day Nov 4, 2026 · returns include dividends · since: AFIF 2018 · SPY 1993 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Anfield Universal Fixed Income ETF · $682M$11,987

AFIF

SPY

State Street SPDR S&P 500 ETF · $805B$18,060

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

AFIFMeasureSPY

+1.6%Year to dateJan 1 → Nov 4+13.3%

+2.7%1 yearTotal return+13.4%

+6.2%3 years · per year$10,000 became $11,987 · $19,132+24.1%

+3.7%5 years · per year$10,000 became $11,987 · $18,060+12.6%

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

4.19%Trailing 12-mo yield$419 · $99 a year on $10k0.99%

−1.6%Worst dropSmaller is better−8.9%

2.6%VolatilityLower is calmer12.9%

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

3–5SPY wins

End-of-day Nov 4, 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 527.3%

AFIFStockSPY

not top 5NVDA7.7%

not top 5AAPL7.4%

not top 5MSFT5.9%

not top 5AMZN3.8%

not top 5GOOGL2.5%

2.2%LMBSnot top 5

2.1%IGSBnot top 5

Held in common0.0%

End-of-day Nov 4, 2026 · share of each fund

AFIF vs SPY Returns, Every Period

Horizon FundsAFIF

+3.7%

5 years, per year

SPYSPDR

+12.6%

5 years, per year

AFIFSPYFaded: behind in that period

0–4SPY wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Bonds vs Core: AFIF vs VTI

YTD

Horizon FundsAFIF

+1.6%

VTIVanguard

+13.4%

+1.6%Year to date+13.4%

−1.6%Worst drop · 1Y−8.9%

2.6%Volatility · 1Y13.1%

4.2%Yield1.0%

$682MAssets$689B

3–1AFIF wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: AFIF, SPY, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

AFIF0.85%$85

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: AFIF, SPY, VTI

4.19%highest, AFIF

FundTrailing yieldYield$10k

AFIF4.19%$419

VTI1.05%$105

SPY0.99%$99

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$334most kept, AFIF

AFIF$419 − $85 = $334

VTI$105 − $3 = $102

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: AFIF, SPY, VTI

Today

86.9%most shared, SPY and VTI

AFIFSPYVTI

AFIF—0.0%0.0%

SPY0.0%—86.9%

VTI0.0%86.9%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+13.5%VTI, at 13.1% volatility

AFIFWorst drop−1.6%2.6% vol

SPYWorst drop−8.9%12.9% vol

VTIWorst drop−8.9%13.1% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

AFIFVTI

+1.6%Year to date+13.4%

4.2%Yield1.0%

+2.7%Past year+13.5%

0.85%Fee0.03%

3–1VTI wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$97.0B

1–0VTI wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026