Compare · 3 funds side by side · dividends reinvested

FNCL, VOO and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,156VOO · best of the three

02 / 04

FNCL, VOO and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.4%+9.8%+22.1%+11.4%−8.9%13.5%$1.00T1.5

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.59%+5.8%+11.3%+23.6%+9.1%−14.8%15.3%$2.2B2.1

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%$805B2.4

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: FNCL 2013 · VOO 2010 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Fidelity MSCI Financials Index ETF · $2.2B$15,425

FNCL

VOO

Vanguard S&P 500 ETF · $1.00T$17,156

$10,000 five years ago, dividends reinvested · they hold 11.0% in common

FNCLMeasureVOO

+5.8%Year to dateJan 1 → Nov 5+8.4%

+11.3%1 yearTotal return+9.8%

+23.6%3 years · per year$10,000 became $18,881 · $18,224+22.1%

+9.1%5 years · per year$10,000 became $15,425 · $17,156+11.4%

0.08%Expense ratio$8 · $3 a year on $10k · lower is better0.03%

1.59%Trailing 12-mo yield$159 · $110 a year on $10k1.10%

−14.8%Worst dropSmaller is better−8.9%

15.3%VolatilityLower is calmer13.5%

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

3–5VOO wins

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

More Ways to See the Pairs

FNCL vs VOO: Top 5 Holdings

Today

FNCL

36.3%in top 5

VOO

in top 528.3%

FNCLStockVOO

10.1%JPMnot top 5

8.8%BRK-Bnot top 5

not top 5NVDA8.4%

7.8%Vnot top 5

not top 5AAPL7.4%

5.9%MAnot top 5

not top 5MSFT5.8%

not top 5AMZN3.7%

3.6%BACnot top 5

not top 5GOOGL3.1%

Held in common11.0%

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

FNCL vs VOO Returns, Every Period

FidelityFNCL

+9.1%

5 years, per year

VOOVanguard

+11.4%

5 years, per year

FNCLVOOFaded: behind in that period

2–2Level

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

Sector vs Core: FNCL vs VOO

YTD

FidelityFNCL

+5.8%

VOOVanguard

+8.4%

+5.8%Year to date+8.4%

−14.8%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.5%

1.6%Yield1.1%

$2.2BAssets$1.00T

3–1VOO wins

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

Cost, Income and Risk

Fees: FNCL, VOO, SPY

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

FNCL0.08%$8

SPY0.09%$9

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

Yields: FNCL, VOO, SPY

1.59%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.59%$159

VOO1.10%$110

SPY1.03%$103

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

Income After Fees on $10,000

$151most kept, FNCL

FNCL$159 − $8 = $151

VOO$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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

Overlap: FNCL, VOO, SPY

Today

93.5%most shared, VOO and SPY

FNCLVOOSPY

FNCL—11.0%12.1%

VOO11.0%—93.5%

SPY12.1%93.5%—

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

Return vs Bumpiness: 3 ETFs

+11.3%FNCL, at 15.3% volatility

VOOWorst drop−8.9%13.5% vol

SPYWorst drop−8.9%13.6% vol

FNCLWorst drop−14.8%15.3% vol

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

Paid More vs Made More

YTD

FNCLVOO

+5.8%Year to date+8.4%

1.6%Yield1.1%

+11.3%Past year+9.8%

0.08%Fee0.03%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026