Compare · 2 funds side by side · dividends reinvested

FNCL and SPY

FNCLFidelity×SPYSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$18,060SPY · best of the two

02 / 04

FNCL and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.55%+8.9%+15.0%+25.2%+10.0%−14.8%15.0%$2.2B1.5

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%$805B1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: FNCL 2013 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Fidelity MSCI Financials Index ETF · $2.2B$16,077

FNCL

SPY

State Street SPDR S&P 500 ETF · $805B$18,060

$10,000 five years ago, dividends reinvested · they hold 11.9% in common

FNCLMeasureSPY

+8.9%Year to dateJan 1 → Nov 4+13.3%

+15.0%1 yearTotal return+13.4%

+25.2%3 years · per year$10,000 became $19,633 · $19,132+24.1%

+10.0%5 years · per year$10,000 became $16,077 · $18,060+12.6%

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

1.55%Trailing 12-mo yield$155 · $99 a year on $10k0.99%

−14.8%Worst dropSmaller is better−8.9%

15.0%VolatilityLower is calmer12.9%

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

4–4Level

End-of-day Nov 4, 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

36.0%in top 5

SPY

in top 527.3%

FNCLStockSPY

10.0%JPMnot top 5

8.8%BRK-Bnot top 5

7.8%Vnot top 5

not top 5NVDA7.7%

not top 5AAPL7.4%

not top 5MSFT5.9%

5.9%MAnot top 5

not top 5AMZN3.8%

3.6%BACnot top 5

not top 5GOOGL2.5%

Held in common11.9%

End-of-day Nov 4, 2026 · share of each fund

FNCL vs SPY Returns, Every Period

FidelityFNCL

+10.0%

5 years, per year

SPYSPDR

+12.6%

5 years, per year

FNCLSPYFaded: behind in that period

2–2Level

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Sector vs Core: FNCL vs SPY

YTD

FidelityFNCL

+8.9%

SPYSPDR

+13.3%

+8.9%Year to date+13.3%

−14.8%Worst drop · 1Y−8.9%

15.0%Volatility · 1Y12.9%

1.5%Yield1.0%

$2.2BAssets$805B

3–1SPY wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: FNCL, SPY

Today

0.08%lowest, FNCL

FundExpense ratioFee$10k

FNCL0.08%$8

SPY0.09%$9

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: FNCL, SPY

1.55%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.55%$155

SPY0.99%$99

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$147most kept, FNCL

FNCL$155 − $8 = $147

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: FNCL, SPY

Today

11.9%most shared, FNCL and SPY

FNCLSPY

FNCL—11.9%

SPY11.9%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+15.0%FNCL, at 15.0% volatility

SPYWorst drop−8.9%12.9% vol

FNCLWorst drop−14.8%15.0% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

FNCLSPY

+8.9%Year to date+13.3%

1.5%Yield1.0%

+15.0%Past year+13.4%

0.08%Fee0.09%

3–1FNCL wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

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 4, 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 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026