Compare · 3 funds side by side · dividends reinvested

FNCL, XLE and VTI

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$25,271XLE · best of the three

02 / 04

FNCL, XLE and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.8

State Street Energy Select Sector SPDR ETFSectors · Energy0.08%2.46%+41.3%+44.3%+15.9%+20.4%−15.0%23.3%$40.5B1.9

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.58%+6.8%+12.3%+22.7%+9.2%−14.8%15.4%$2.3B2.3

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

End-of-day Nov 9, 2026 · returns include dividends · since: FNCL 2013 · XLE 1998 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Fidelity MSCI Financials Index ETF · $2.3B$15,532

FNCL

XLE

State Street Energy Select Sector SPDR ETF · $40.5B$25,271

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

FNCLMeasureXLE

+6.8%Year to dateJan 1 → Nov 9+41.3%

+12.3%1 yearTotal return+44.3%

+22.7%3 years · per year$10,000 became $18,458 · $15,555+15.9%

+9.2%5 years · per year$10,000 became $15,532 · $25,271+20.4%

0.08%Expense ratio$8 · $8 a year on $10k · lower is better0.08%

1.58%Trailing 12-mo yield$158 · $246 a year on $10k2.46%

−14.8%Worst dropSmaller is better−15.0%

15.4%VolatilityLower is calmer23.3%

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

3–4XLE wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

FNCL vs XLE: Top 5 Holdings

Today

FNCL

36.3%in top 5

XLE

in top 559.6%

FNCLStockXLE

not top 5XOM24.5%

not top 5CVX18.8%

9.9%JPMnot top 5

9.0%BRK-Bnot top 5

7.9%Vnot top 5

not top 5COP7.3%

5.9%MAnot top 5

not top 5PSX4.5%

not top 5MPC4.4%

3.6%BACnot top 5

Held in common0.0%

End-of-day Nov 9, 2026 · share of each fund

FNCL vs XLE Returns, Every Period

FidelityFNCL

+9.2%

5 years, per year

XLESPDR

+20.4%

5 years, per year

FNCLXLEFaded: behind in that period

1–3XLE wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

FNCL vs XLE

YTD

FidelityFNCL

+6.8%

XLESPDR

+41.3%

+6.8%Year to date+41.3%

−14.8%Worst drop · 1Y−15.0%

15.4%Volatility · 1Y23.3%

1.6%Yield2.5%

$2.3BAssets$40.5B

2–2level

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: FNCL, XLE, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

FNCL0.08%$8

XLE0.08%$8

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: FNCL, XLE, VTI

2.46%highest, XLE

FundTrailing yieldYield$10k

XLE2.46%$246

FNCL1.58%$158

VTI1.06%$106

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$238most kept, XLE

XLE$246 − $8 = $238

FNCL$158 − $8 = $150

VTI$106 − $3 = $103

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: FNCL, XLE, VTI

Today

11.3%most shared, FNCL and VTI

FNCLXLEVTI

FNCL—0.0%11.3%

XLE0.0%—3.0%

VTI11.3%3.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+44.3%XLE, at 23.3% volatility

VTIWorst drop−8.9%13.9% vol

FNCLWorst drop−14.8%15.4% vol

XLEWorst drop−15.0%23.3% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

XLEVTI

+41.3%Year to date+11.6%

2.5%Yield1.1%

+44.3%Past year+13.9%

0.08%Fee0.03%

3–1XLE wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

XLE vs VDE

YTD

SPDRXLE

+41.3%

VDEVanguard

+39.4%

+41.3%Year to date+39.4%

2.5%Yield2.4%

$40.5BAssets$10.4B

2–0XLE wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026