Compare · 3 funds side by side · dividends reinvested

FNCL, XLF and VOO

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$18,115VOO · best of the three

02 / 04

FNCL, XLF and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.05%+13.4%+13.5%+24.2%+12.6%−8.9%12.8%$1.00T1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$54.2B2.0

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.55%+8.9%+15.0%+25.2%+10.0%−14.8%15.0%$2.2B2.1

Rank among the three1st → 3rdFee, 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 · XLF 1998 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

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

FNCL

XLF

State Street Financial Select Sector SPDR ETF · $54.2B$16,157

$10,000 five years ago, dividends reinvested · they hold 83.8% in common

FNCLMeasureXLF

+8.9%Year to dateJan 1 → Nov 4+9.4%

+15.0%1 yearTotal return+15.3%

+25.2%3 years · per year$10,000 became $19,633 · $19,384+24.7%

+10.0%5 years · per year$10,000 became $16,077 · $16,157+10.1%

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

1.55%Trailing 12-mo yield$155 · $140 a year on $10k1.40%

−14.8%Worst dropSmaller is better−14.8%

15.0%VolatilityLower is calmer15.0%

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

2–3XLF wins

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 XLF: Top 5 Holdings

Today

FNCL

36.0%in top 5

XLF

in top 543.4%

FNCLStockXLF

8.8%BRK-B12.9%

10.0%JPM11.2%

7.8%V8.9%

5.9%MA6.5%

3.6%BAC4.0%

Held in common83.8%

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

FNCL vs XLF Returns, Every Period

FidelityFNCL

+10.0%

5 years, per year

XLFSPDR

+10.1%

5 years, per year

FNCLXLFFaded: behind in that period

1–3XLF wins

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

FNCL vs XLF

YTD

FidelityFNCL

+8.9%

XLFSPDR

+9.4%

+8.9%Year to date+9.4%

−14.8%Worst drop · 1Y−14.8%

15.0%Volatility · 1Y15.0%

1.5%Yield1.4%

$2.2BAssets$54.2B

1–1level

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

Cost, Income and Risk

Fees: FNCL, XLF, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

FNCL0.08%$8

XLF0.08%$8

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

Yields: FNCL, XLF, VOO

1.55%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.55%$155

XLF1.40%$140

VOO1.05%$105

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

Income After Fees on $10,000

$147most kept, FNCL

FNCL$155 − $8 = $147

XLF$140 − $8 = $132

VOO$105 − $3 = $102

KeptFee

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

Overlap: FNCL, XLF, VOO

Today

83.8%most shared, FNCL and XLF

FNCLXLFVOO

FNCL—83.8%11.0%

XLF83.8%—11.3%

VOO11.0%11.3%—

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

Return vs Bumpiness: 3 ETFs

+15.3%XLF, at 15.0% volatility

VOOWorst drop−8.9%12.8% vol

XLFWorst drop−14.8%15.0% 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

FNCLVOO

+8.9%Year to date+13.4%

1.5%Yield1.1%

+15.0%Past year+13.5%

0.08%Fee0.03%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$872B

0–0level

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%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026