Compare · 3 funds side by side · dividends reinvested

FNCL, VTI and SPY

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,337SPY · best of the three

Story of the three · IncomeMost incomeFNCL · 1.58% · $158 a year on $10k

Story of the three · RiskSmallest drop

FNCL, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+12.1%+12.2%+21.4%+10.6%−8.9%13.9%$689B1.8

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.00%+11.9%+12.0%+21.6%+11.6%−8.9%13.7%$793B1.9

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.58%+6.8%+10.6%+22.2%+9.3%−14.8%15.4%$2.3B2.4

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

End-of-day Nov 12, 2026 · returns include dividends · since: FNCL 2013 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Fidelity MSCI Financials Index ETF · $2.3B$15,599

FNCL

SPY

State Street SPDR S&P 500 ETF · $793B$17,337

$10,000 five years ago, dividends reinvested · they hold 12.1% in common

FNCLMeasure

More Ways to See the Pairs

FNCL vs SPY: Top 5 Holdings

Today

FNCL

36.2%in top 5

SPY

in top 526.8%

FNCLStockSPY

10.0%JPMnot top 5

9.1%BRK-Bnot top 5

not top 5AAPL7.9%

7.7%Vnot top 5

not top 5NVDA6.4%

Cost, Income and Risk

Fees: FNCL, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

FNCL0.08%$8

SPY0.09%$9

End-of-day Nov 12, 2026 · fee on $10,000 a year

Yields: FNCL, VTI, SPY

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+12.0%

SPYSPDR

+11.9%

+12.0%Year to date+11.9%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 12, 2026

VTI vs ITOT

YTD

VanguardVTI

+12.1%

ITOTiShares

+11.9%

SCHD vs VIG

YTD

SchwabSCHD

+34.2%

VIGVanguard

+16.0%

SPY

+6.8%Year to dateJan 1 → Nov 12+11.9%

+10.6%1 yearTotal return+12.0%

+22.2%3 years · per year$10,000 became $18,263 · $17,968+21.6%

+9.3%5 years · per year$10,000 became $15,599 · $17,337+11.6%

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

1.58%Trailing 12-mo yield$158 · $100 a year on $10k1.00%

−14.8%Worst dropSmaller is better−8.9%

15.4%VolatilityLower is calmer13.7%

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

3–5SPY wins

End-of-day Nov 12, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

not top 5MSFT5.9%

5.9%MAnot top 5

not top 5AMZN4.0%

3.6%BACnot top 5

not top 5GOOGL2.6%

Held in common12.1%

End-of-day Nov 12, 2026 · share of each fund

FNCL vs SPY Returns, Every Period

5Y

FidelityFNCL

+9.3%

5 years, per year

SPYSPDR

+11.6%

5 years, per year

FNCLSPYFaded: behind in that period

1–3SPY wins

End-of-day Nov 12, 2026 · dividends in · faded = behind in that period

Sector vs Core: FNCL vs VTI

YTD

FidelityFNCL

+6.8%

VTIVanguard

+12.1%

+6.8%Year to date+12.1%

−14.8%Worst drop · 1Y−8.9%

15.4%Volatility · 1Y13.9%

1.6%Yield1.1%

$2.3BAssets$689B

3–1VTI wins

End-of-day Nov 12, 2026 · smaller drop and lower volatility win

1Y

1.58%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.58%$158

VTI1.06%$106

SPY1.00%$100

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

Income After Fees on $10,000

1Y

$150most kept, FNCL

FNCL$158 − $8 = $150

VTI$106 − $3 = $103

SPY$100 − $9 = $91

KeptFee

End-of-day Nov 12, 2026 · yield in dollars minus the fee

Overlap: FNCL, VTI, SPY

Today

86.3%most shared, VTI and SPY

FNCLVTISPY

FNCL—11.3%12.1%

VTI11.3%—86.3%

SPY12.1%86.3%—

End-of-day Nov 12, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+12.2%VTI, at 13.9% volatility

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

FNCLWorst drop−14.8%15.4% vol

End-of-day Nov 12, 2026 · up and left is better

Paid More vs Made More

YTD

FNCLVTI

+6.8%Year to date+12.1%

1.6%Yield1.1%

+10.6%Past year+12.2%

0.08%Fee0.03%

3–1VTI wins

End-of-day Nov 12, 2026

+12.1%Year to date+11.9%

1.1%Yield1.0%

$689BAssets$96.5B

2–0VTI wins

End-of-day Nov 12, 2026

+34.2%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 12, 2026

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FNCL, VTI and SPY

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three