Compare · 2 funds side by side · dividends reinvested

FLUD and SPY

FLUDFranklin Templeton×SPYSPDR×

Versus in desk

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

02 / 04

FLUD 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%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$819B1.4

Franklin Ultra Short Bond ETFBonds & Cash · Ultra-short0.15%3.99%+3.0%+3.9%+5.0%+3.9%−0.2%1.2%$647M1.6

Rank among the two1st → 2ndFee, 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: FLUD 2020 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Franklin Ultra Short Bond ETF · $647M$12,127

FLUD

SPY

State Street SPDR S&P 500 ETF · $819B$17,099

$10,000 five years ago, dividends reinvested · they hold 0.7% in common

FLUDMeasureSPY

+3.0%Year to dateJan 1 → Nov 5+8.3%

+3.9%1 yearTotal return+9.7%

+5.0%3 years · per year$10,000 became $11,591 · $18,174+22.0%

+3.9%5 years · per year$10,000 became $12,127 · $17,099+11.3%

0.15%Expense ratio$15 · $9 a year on $10k · lower is better0.09%

3.99%Trailing 12-mo yield$399 · $103 a year on $10k1.03%

−0.2%Worst dropSmaller is better−8.9%

1.2%VolatilityLower is calmer13.6%

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

3–5SPY wins

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

More Ways to See the Pairs

FLUD vs SPY: Top 5 Holdings

Today

FLUD

3.3%in top 5

SPY

in top 527.7%

FLUDStockSPY

not top 5AAPL7.7%

not top 5NVDA7.3%

not top 5MSFT6.2%

not top 5AMZN3.9%

not top 5GOOGL2.6%

1.0%KVUEnot top 5

0.8%BUNGEnot top 5

0.6%AGRELPnot top 5

0.5%ERACPPnot top 5

0.4%HWMnot top 5

Held in common0.7%

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

FLUD vs SPY Returns, Every Period

Franklin TempletonFLUD

+3.9%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

FLUDSPYFaded: behind in that period

0–4SPY wins

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

Bonds vs Core: FLUD vs SPY

YTD

Franklin TempletonFLUD

+3.0%

SPYSPDR

+8.3%

+3.0%Year to date+8.3%

−0.2%Worst drop · 1Y−8.9%

1.2%Volatility · 1Y13.6%

4.0%Yield1.0%

$647MAssets$819B

3–1FLUD wins

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

Cost, Income and Risk

Fees: FLUD, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

FLUD0.15%$15

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

Yields: FLUD, SPY

3.99%highest, FLUD

FundTrailing yieldYield$10k

FLUD3.99%$399

SPY1.03%$103

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

Income After Fees on $10,000

$384most kept, FLUD

FLUD$399 − $15 = $384

SPY$103 − $9 = $94

KeptFee

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

Overlap: FLUD, SPY

Today

0.7%most shared, FLUD and SPY

FLUDSPY

FLUD—0.7%

SPY0.7%—

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

Return vs Bumpiness: 2 ETFs

+9.7%SPY, at 13.6% volatility

FLUDWorst drop−0.2%1.2% vol

SPYWorst drop−8.9%13.6% vol

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

Paid More vs Made More

YTD

FLUDSPY

+3.0%Year to date+8.3%

4.0%Yield1.0%

+3.9%Past year+9.7%

0.15%Fee0.09%

3–1SPY wins

End-of-day Nov 5, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026