Compare · 3 funds side by side · dividends reinvested

FLQL, SCHX and SPY

FLQLFranklin Templeton×SCHXSchwab×SPYSPDR×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,829FLQL · best of the three

02 / 04

FLQL, SCHX and SPY, 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%$778B1.6

Schwab U.S. Large-Cap ETFLow-Cost Core · US large cap0.03%1.08%+8.4%+9.3%+21.8%+10.8%−9.0%13.7%$71.4B1.9

Franklin U.S. Large Cap Multifactor Index ETFLow-Cost Core · US large cap0.15%1.12%+7.4%+8.4%+21.5%+12.3%−9.0%15.1%$2.1B2.5

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: FLQL 2017 · SCHX 2009 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Franklin U.S. Large Cap Multifactor Index ETF · $2.1B$17,829

FLQL

SCHX

Schwab U.S. Large-Cap ETF · $71.4B$16,684

$10,000 five years ago, dividends reinvested · they hold 55.3% in common

FLQLMeasureSCHX

+7.4%Year to dateJan 1 → Nov 6+8.4%

+8.4%1 yearTotal return+9.3%

+21.5%3 years · per year$10,000 became $17,915 · $18,059+21.8%

+12.3%5 years · per year$10,000 became $17,829 · $16,684+10.8%

0.15%Expense ratio$15 · $3 a year on $10k · lower is better0.03%

1.12%Trailing 12-mo yield$112 · $108 a year on $10k1.08%

−9.0%Worst dropSmaller is better−9.0%

15.1%VolatilityLower is calmer13.7%

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

2–5SCHX wins

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

More Ways to See the Pairs

FLQL vs SCHX: Top 5 Holdings

Today

FLQL

27.3%in top 5

SCHX

in top 526.3%

FLQLStockSCHX

8.6%AAPL7.5%

6.3%NVDA6.6%

5.9%MSFT5.9%

3.6%AMZN3.8%

2.9%GOOGL2.5%

Held in common55.3%

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

FLQL vs SCHX Returns, Every Period

Franklin TempletonFLQL

+12.3%

5 years, per year

SCHXSchwab

+10.8%

5 years, per year

FLQLSCHXFaded: behind in that period

1–3SCHX wins

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

FLQL vs SCHX

YTD

Franklin TempletonFLQL

+7.4%

SCHXSchwab

+8.4%

+7.4%Year to date+8.4%

−9.0%Worst drop · 1Y−9.0%

15.1%Volatility · 1Y13.7%

1.1%Yield1.1%

$2.1BAssets$71.4B

2–0SCHX wins

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

Cost, Income and Risk

Fees: FLQL, SCHX, SPY

Today

0.03%lowest, SCHX

FundExpense ratioFee$10k

SCHX0.03%$3

SPY0.09%$9

FLQL0.15%$15

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

Yields: FLQL, SCHX, SPY

1.12%highest, FLQL

FundTrailing yieldYield$10k

FLQL1.12%$112

SCHX1.08%$108

SPY1.03%$103

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

Income After Fees on $10,000

$105most kept, SCHX

SCHX$108 − $3 = $105

FLQL$112 − $15 = $97

SPY$103 − $9 = $94

KeptFee

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

Overlap: FLQL, SCHX, SPY

Today

94.6%most shared, SCHX and SPY

FLQLSCHXSPY

FLQL—55.3%56.1%

SCHX55.3%—94.6%

SPY56.1%94.6%—

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

SPYWorst drop−8.9%13.6% vol

SCHXWorst drop−9.0%13.7% vol

FLQLWorst drop−9.0%15.1% vol

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

Paid More vs Made More

YTD

FLQLSPY

+7.4%Year to date+8.7%

1.1%Yield1.0%

+8.4%Past year+9.7%

0.15%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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026