Compare · 3 funds side by side · dividends reinvested

FDLS, VTI and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,099SPY · best of the three

02 / 04

FDLS, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$689B1.8

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%$805B1.8

Inspire Fidelis Multi Factor ETFUS Stock Styles · Factor0.66%0.86%+16.0%+19.2%+22.1%[…]−9.5%16.5%$253M2.4

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

End-of-day Nov 5, 2026 · returns include dividends · since: FDLS 2022 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Inspire Fidelis Multi Factor ETF · $253M[…]

FDLS

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,332

$10,000 five years ago, dividends reinvested · they hold 2.6% in common

FDLSMeasureVTI

+16.0%Year to dateJan 1 → Nov 5+13.4%

+19.2%1 yearTotal return+13.5%

+22.1%3 years · per year$10,000 became $18,222 · $19,059+24.0%

[…]5 years · per year$10,000 became […] · $17,257+11.5%

0.66%Expense ratio$66 · $3 a year on $10k · lower is better0.03%

0.86%Trailing 12-mo yield$86 · $105 a year on $10k1.05%

−9.5%Worst dropSmaller is better−8.9%

16.5%VolatilityLower is calmer13.1%

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

2–5VTI wins

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

More Ways to See the Pairs

FDLS vs VTI: Top 5 Holdings

Today

FDLS

6.2%in top 5

VTI

in top 525.0%

FDLSStockVTI

not top 5NVDA7.1%

not top 5AAPL6.6%

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

1.3%RELYnot top 5

1.3%FLYWnot top 5

1.2%CONnot top 5

1.2%TLSnot top 5

1.2%OMCLnot top 5

Held in common2.6%

End-of-day Nov 5, 2026 · share of each fund

FDLS vs VTI Returns, Every Period

InspireFDLS

+19.2%

past year

VTIVanguard

+13.5%

past year

FDLSVTIFaded: behind in that period

2–1FDLS wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Stocks vs Core: FDLS vs VTI

YTD

InspireFDLS

+16.0%

VTIVanguard

+13.4%

+16.0%Year to date+13.4%

−9.5%Worst drop · 1Y−8.9%

16.5%Volatility · 1Y13.1%

0.9%Yield1.0%

$253MAssets$689B

3–1VTI wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: FDLS, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

FDLS0.66%$66

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: FDLS, VTI, SPY

1.05%highest, VTI

FundTrailing yieldYield$10k

VTI1.05%$105

SPY0.99%$99

FDLS0.86%$86

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$102most kept, VTI

VTI$105 − $3 = $102

SPY$99 − $9 = $90

FDLS$86 − $66 = $20

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: FDLS, VTI, SPY

Today

86.5%most shared, VTI and SPY

FDLSVTISPY

FDLS—2.6%2.0%

VTI2.6%—86.5%

SPY2.0%86.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+19.2%FDLS, at 16.5% volatility

SPYWorst drop−8.9%12.9% vol

VTIWorst drop−8.9%13.1% vol

FDLSWorst drop−9.5%16.5% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

VTIFDLS

+13.4%Year to date+16.0%

1.0%Yield0.9%

+13.5%Past year+19.2%

0.03%Fee0.66%

2–2level

End-of-day Nov 5, 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 5, 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 5, 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 5, 2026