Compare · 3 funds side by side · dividends reinvested

LRND, SCHD and SPY

LRNDNY Life Investments×SCHDSchwab×SPYSPDR×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,118SPY · best of the three

02 / 04

LRND, SCHD and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%3.00%+31.4%+37.0%+20.0%+10.2%−6.9%11.7%$120B1.4

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B1.8

NYLI U.S. Large Cap R&D Leaders ETFLow-Cost Core · US large cap0.14%0.35%+6.0%+6.1%+21.2%[…]−13.4%18.9%$401M2.9

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

End-of-day Nov 6, 2026 · returns include dividends · since: LRND 2022 · SCHD 2011 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

NYLI U.S. Large Cap R&D Leaders ETF · $401M[…]

LRND

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,267

$10,000 five years ago, dividends reinvested · they hold 4.3% in common

LRNDMeasureSCHD

+6.0%Year to dateJan 1 → Nov 6+31.4%

+6.1%1 yearTotal return+37.0%

+21.2%3 years · per year$10,000 became $17,784 · $17,266+20.0%

[…]5 years · per year$10,000 became […] · $16,267+10.2%

0.14%Expense ratio$14 · $6 a year on $10k · lower is better0.06%

0.35%Trailing 12-mo yield$35 · $300 a year on $10k3.00%

−13.4%Worst dropSmaller is better−6.9%

18.9%VolatilityLower is calmer11.7%

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

1–6SCHD wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

LRND vs SCHD: Top 5 Holdings

Today

LRND

51.6%in top 5

SCHD

in top 521.4%

LRNDStockSCHD

15.3%NVDAnot top 5

11.6%GOOGLnot top 5

10.8%AAPLnot top 5

8.7%MSFTnot top 5

5.2%AMZNnot top 5

not top 5PG4.5%

not top 5HD4.3%

not top 5TXN4.3%

not top 5KO4.3%

not top 5AMGN4.1%

Held in common4.3%

End-of-day Nov 6, 2026 · share of each fund

LRND vs SCHD Returns, Every Period

NY Life InvestmentsLRND

+6.1%

past year

SCHDSchwab

+37.0%

past year

LRNDSCHDFaded: behind in that period

1–2SCHD wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Core vs Income: LRND vs SCHD

YTD

NY Life InvestmentsLRND

+6.0%

SCHDSchwab

+31.4%

+6.0%Year to date+31.4%

−13.4%Worst drop · 1Y−6.9%

18.9%Volatility · 1Y11.7%

0.3%Yield3.0%

$401MAssets$120B

4–0SCHD wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: LRND, SCHD, SPY

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

SPY0.09%$9

LRND0.14%$14

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: LRND, SCHD, SPY

3.00%highest, SCHD

FundTrailing yieldYield$10k

SCHD3.00%$300

SPY1.03%$103

LRND0.35%$35

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$294most kept, SCHD

SCHD$300 − $6 = $294

SPY$103 − $9 = $94

LRND$35 − $14 = $21

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: LRND, SCHD, SPY

Today

41.6%most shared, LRND and SPY

LRNDSCHDSPY

LRND—4.3%41.6%

SCHD4.3%—8.7%

SPY41.6%8.7%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+37.0%SCHD, at 11.7% volatility

SCHDWorst drop−6.9%11.7% vol

SPYWorst drop−8.9%13.6% vol

LRNDWorst drop−13.4%18.9% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

SCHDSPY

+31.4%Year to date+8.7%

3.0%Yield1.0%

+37.0%Past year+9.7%

0.06%Fee0.09%

4–0SCHD wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026