Compare · 4 funds side by side · dividends reinvested

FNCL, SPY, VOO and IVV

FNCLFidelity×SPYSPDR×VOOVanguard×IVViShares×

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

02 / 04

FNCL, SPY, VOO and IVV, 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%$1.00T2.0

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.14%+8.7%+9.8%+21.8%+11.4%−8.9%13.6%$850B2.0

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.60%+5.2%+10.2%+23.1%+9.0%−14.8%15.3%$2.3B2.8

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%$819B3.1

Rank among the four1st → 4thFee, 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 · SPY 1993 · VOO 2010 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

FNCL

SPY

State Street SPDR S&P 500 ETF · $819B$17,118

$10,000 five years ago, dividends reinvested · they hold 12.3% in common

FNCLMeasureSPY

+5.2%Year to dateJan 1 → Nov 6+8.7%

+10.2%1 yearTotal return+9.7%

+23.1%3 years · per year$10,000 became $18,650 · $18,039+21.7%

+9.0%5 years · per year$10,000 became $15,379 · $17,118+11.3%

0.08%Expense ratio$8 · $9 a year on $10k · lower is better0.09%

1.60%Trailing 12-mo yield$160 · $103 a year on $10k1.03%

−14.8%Worst dropSmaller is better−8.9%

15.3%VolatilityLower is calmer13.6%

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

4–4Level

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 SPY: Top 5 Holdings

Today

FNCL

36.2%in top 5

SPY

in top 527.8%

FNCLStockSPY

10.0%JPMnot top 5

9.0%BRK-Bnot top 5

not top 5AAPL7.9%

7.8%Vnot top 5

not top 5NVDA6.9%

not top 5MSFT6.3%

5.9%MAnot top 5

not top 5AMZN4.0%

3.6%BACnot top 5

not top 5GOOGL2.6%

Held in common12.3%

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

FNCL vs SPY Returns, Every Period

FidelityFNCL

+9.0%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

FNCLSPYFaded: behind in that period

2–2Level

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

Sector vs Core: FNCL vs IVV

YTD

FidelityFNCL

+5.2%

IVViShares

+8.7%

+5.2%Year to date+8.7%

−14.8%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.6%

1.6%Yield1.1%

$2.3BAssets$850B

3–1IVV wins

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

Cost, Income and Risk

Fees: FNCL, SPY, VOO, IVV

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

IVV0.03%$3

FNCL0.08%$8

SPY0.09%$9

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

Yields: FNCL, SPY, VOO, IVV

1.60%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.60%$160

IVV1.14%$114

VOO1.10%$110

SPY1.03%$103

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

Income After Fees on $10,000

$152most kept, FNCL

FNCL$160 − $8 = $152

IVV$114 − $3 = $111

VOO$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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

Overlap: FNCL, SPY, VOO, IVV

Today

99.9%most shared, SPY and IVV

FNCLSPYVOOIVV

FNCL—12.3%11.0%12.3%

SPY12.3%—92.2%99.9%

VOO11.0%92.2%—92.2%

IVV12.3%99.9%92.2%—

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

Return vs Bumpiness: 4 ETFs

+10.2%FNCL, at 15.3% volatility

VOOWorst drop−8.9%13.5% vol

SPYWorst drop−8.9%13.6% vol

IVVWorst drop−8.9%13.6% vol

FNCLWorst drop−14.8%15.3% vol

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

Paid More vs Made More

YTD

FNCLIVV

+5.2%Year to date+8.7%

1.6%Yield1.1%

+10.2%Past year+9.8%

0.08%Fee0.03%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Four

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

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%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026