Compare · 3 funds side by side · dividends reinvested

CMF, VOO and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,177VOO · best of the three

02 / 04

CMF, VOO and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.7%+9.8%+21.8%+11.4%−8.9%13.5%$1.00T1.5

iShares California Muni Bond ETFBonds & Cash · Municipal0.08%3.02%+0.4%+1.2%+4.3%+0.6%−6.5%3.6%$5.5B2.1

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%$778B2.4

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: CMF 2007 · VOO 2010 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

iShares California Muni Bond ETF · $5.5B$10,327

CMF

VOO

Vanguard S&P 500 ETF · $1.00T$17,177

$10,000 five years ago, dividends reinvested

CMFMeasureVOO

+0.4%Year to dateJan 1 → Nov 6+8.7%

+1.2%1 yearTotal return+9.8%

+4.3%3 years · per year$10,000 became $11,338 · $18,079+21.8%

+0.6%5 years · per year$10,000 became $10,327 · $17,177+11.4%

0.08%Expense ratio$8 · $3 a year on $10k · lower is better0.03%

3.02%Trailing 12-mo yield$302 · $110 a year on $10k1.10%

−6.5%Worst dropSmaller is better−8.9%

3.6%VolatilityLower is calmer13.5%

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

3–5VOO wins

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

More Ways to See the Pairs

CMF vs VOO: Top 5 Holdings

Today

CMF

[…]in top 5

VOO

in top 528.3%

CMFStockVOO

not top 5NVDA8.4%

not top 5AAPL7.4%

not top 5MSFT5.8%

not top 5AMZN3.7%

not top 5GOOGL3.1%

Held in common[…]

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

CMF vs VOO Returns, Every Period

iSharesCMF

+0.6%

5 years, per year

VOOVanguard

+11.4%

5 years, per year

CMFVOOFaded: behind in that period

0–4VOO wins

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

Bonds vs Core: CMF vs VOO

YTD

iSharesCMF

+0.4%

VOOVanguard

+8.7%

+0.4%Year to date+8.7%

−6.5%Worst drop · 1Y−8.9%

3.6%Volatility · 1Y13.5%

3.0%Yield1.1%

$5.5BAssets$1.00T

3–1CMF wins

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

Cost, Income and Risk

Fees: CMF, VOO, SPY

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

CMF0.08%$8

SPY0.09%$9

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

Yields: CMF, VOO, SPY

3.02%highest, CMF

FundTrailing yieldYield$10k

CMF3.02%$302

VOO1.10%$110

SPY1.03%$103

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

Income After Fees on $10,000

$294most kept, CMF

CMF$302 − $8 = $294

VOO$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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

Overlap: CMF, VOO, SPY

Today

92.2%most shared, VOO and SPY

CMFVOOSPY

CMF—[…][…]

VOO[…]—92.2%

SPY[…]92.2%—

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

Return vs Bumpiness: 3 ETFs

+9.8%VOO, at 13.5% volatility

CMFWorst drop−6.5%3.6% vol

VOOWorst drop−8.9%13.5% 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

CMFVOO

+0.4%Year to date+8.7%

3.0%Yield1.1%

+1.2%Past year+9.8%

0.08%Fee0.03%

3–1VOO 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

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

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