Compare · 3 funds side by side · dividends reinvested

FNCL, QQQ and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,509QQQ · best of the three

02 / 04

FNCL, QQQ 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%$819B1.8

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.60%+5.2%+10.2%+23.1%+9.0%−14.8%15.3%$2.3B1.9

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.47%+7.2%+5.8%+23.2%+11.9%−14.8%21.3%$469B2.4

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: FNCL 2013 · QQQ 1999 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Fidelity MSCI Financials Index ETF · $2.3B$15,379

FNCL

QQQ

Invesco QQQ Trust, Series 1 · $469B$17,509

$10,000 five years ago, dividends reinvested · they hold 0.2% in common

FNCLMeasureQQQ

+5.2%Year to dateJan 1 → Nov 6+7.2%

+10.2%1 yearTotal return+5.8%

+23.1%3 years · per year$10,000 became $18,650 · $18,694+23.2%

+9.0%5 years · per year$10,000 became $15,379 · $17,509+11.9%

0.08%Expense ratio$8 · $18 a year on $10k · lower is better0.18%

1.60%Trailing 12-mo yield$160 · $47 a year on $10k0.47%

−14.8%Worst dropSmaller is better−14.8%

15.3%VolatilityLower is calmer21.3%

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

4–3FNCL wins

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

More Ways to See the Pairs

FNCL vs QQQ: Top 5 Holdings

Today

FNCL

36.2%in top 5

QQQ

in top 531.6%

FNCLStockQQQ

10.0%JPMnot top 5

9.0%BRK-Bnot top 5

not top 5AAPL8.7%

7.8%Vnot top 5

not top 5NVDA7.6%

not top 5MSFT6.9%

5.9%MAnot top 5

not top 5AMZN4.9%

3.6%BACnot top 5

not top 5MU3.5%

Held in common0.2%

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

FNCL vs QQQ Returns, Every Period

FidelityFNCL

+9.0%

5 years, per year

QQQInvesco

+11.9%

5 years, per year

FNCLQQQFaded: behind in that period

1–3QQQ wins

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

Sector vs Core: FNCL vs SPY

YTD

FidelityFNCL

+5.2%

SPYSPDR

+8.7%

+5.2%Year to date+8.7%

−14.8%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.6%

1.6%Yield1.0%

$2.3BAssets$819B

3–1SPY wins

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

Cost, Income and Risk

Fees: FNCL, QQQ, SPY

Today

0.08%lowest, FNCL

FundExpense ratioFee$10k

FNCL0.08%$8

SPY0.09%$9

QQQ0.18%$18

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

Yields: FNCL, QQQ, SPY

1.60%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.60%$160

SPY1.03%$103

QQQ0.47%$47

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

Income After Fees on $10,000

$152most kept, FNCL

FNCL$160 − $8 = $152

SPY$103 − $9 = $94

QQQ$47 − $18 = $29

KeptFee

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

Overlap: FNCL, QQQ, SPY

Today

52.1%most shared, QQQ and SPY

FNCLQQQSPY

FNCL—0.2%12.3%

QQQ0.2%—52.1%

SPY12.3%52.1%—

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

Return vs Bumpiness: 3 ETFs

+10.2%FNCL, at 15.3% volatility

SPYWorst drop−8.9%13.6% vol

FNCLWorst drop−14.8%15.3% vol

QQQWorst drop−14.8%21.3% vol

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

Paid More vs Made More

YTD

FNCLSPY

+5.2%Year to date+8.7%

1.6%Yield1.0%

+10.2%Past year+9.7%

0.08%Fee0.09%

3–1FNCL 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%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+7.2%

QQQInvesco

+7.2%

+7.2%Year to date+7.2%

0.15% · $15Fee · on $10k a year0.18% · $18

$107BAssets$469B

1–0QQQM wins

End-of-day Nov 6, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−0.3%

QQQInvesco

+7.2%

−0.3%Year to date+7.2%

0.94% · $94Fee · on $10k a year0.18% · $18

$27.1BAssets$469B

2–0QQQ wins

End-of-day Nov 6, 2026