Compare · 3 funds side by side · dividends reinvested

LRND, SCHG and SPY

LRNDNY Life Investments×SCHGSchwab×SPYSPDR×

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,358SPY · best of the three

Story of the three · IncomeMost incomeSPY · 1.01% · $101 a year on $10k

Story of the three · RiskSmallest drop

LRND, SCHG and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+10.8%+13.0%+21.4%+11.7%−8.9%13.8%$792B1.3

Schwab U.S. Large-Cap Growth ETFLow-Cost Core · US large cap0.04%0.41%+4.1%+5.1%+22.4%+11.4%−15.0%17.9%$61.0B2.1

NYLI U.S. Large Cap R&D Leaders ETFLow-Cost Core · US large cap0.14%0.34%+7.8%+9.9%+20.8%[…]−13.4%19.0%$416M2.6

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

End-of-day Nov 10, 2026 · returns include dividends · since: LRND 2022 · SCHG 2009 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

5Y

NYLI U.S. Large Cap R&D Leaders ETF · $416M[…]

LRND

SCHG

Schwab U.S. Large-Cap Growth ETF · $61.0B$17,139

$10,000 five years ago, dividends reinvested · they hold 59.8% in common

LRND

More Ways to See the Pairs

LRND vs SCHG: Top 5 Holdings

Today

LRND

50.3%in top 5

SCHG

in top 543.9%

LRNDStockSCHG

14.5%NVDA11.2%

10.6%AAPL12.4%

11.4%GOOGL4.2%

8.5%MSFT9.8%

not top 5

Cost, Income and Risk

Fees: LRND, SCHG, SPY

Today

0.04%lowest, SCHG

FundExpense ratioFee$10k

SCHG0.04%$4

SPY0.09%$9

LRND0.14%$14

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

Yields: LRND, SCHG, SPY

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 10, 2026

VUG vs SCHG

YTD

VanguardVUG

+3.4%

SCHGSchwab

+4.1%

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

Measure

SCHG

+7.8%Year to dateJan 1 → Nov 10+4.1%

+9.9%1 yearTotal return+5.1%

+20.8%3 years · per year$10,000 became $17,614 · $18,317+22.4%

[…]5 years · per year$10,000 became […] · $17,139+11.4%

0.14%Expense ratio$14 · $4 a year on $10k · lower is better0.04%

0.34%Trailing 12-mo yield$34 · $41 a year on $10k0.41%

−13.4%Worst dropSmaller is better−15.0%

19.0%VolatilityLower is calmer17.9%

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

3–4SCHG wins

End-of-day Nov 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

AMZN

6.3%

5.2%LLYnot top 5

Held in common59.8%

End-of-day Nov 10, 2026 · share of each fund

LRND vs SCHG Returns, Every Period

1Y

NY Life InvestmentsLRND

+9.9%

past year

SCHGSchwab

+5.1%

past year

LRNDSCHGFaded: behind in that period

2–1LRND wins

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

LRND vs SPY

YTD

NY Life InvestmentsLRND

+7.8%

SPYSPDR

+10.8%

+7.8%Year to date+10.8%

−13.4%Worst drop · 1Y−8.9%

19.0%Volatility · 1Y13.8%

0.3%Yield1.0%

$416MAssets$792B

4–0SPY wins

End-of-day Nov 10, 2026 · smaller drop and lower volatility win

1Y

1.01%highest, SPY

FundTrailing yieldYield$10k

SPY1.01%$101

SCHG0.41%$41

LRND0.34%$34

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$92most kept, SPY

SPY$101 − $9 = $92

SCHG$41 − $4 = $37

LRND$34 − $14 = $20

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: LRND, SCHG, SPY

Today

59.8%most shared, LRND and SCHG

LRNDSCHGSPY

LRND—59.8%41.9%

SCHG59.8%—57.0%

SPY41.9%57.0%—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+13.0%SPY, at 13.8% volatility

SPYWorst drop−8.9%13.8% vol

SCHGWorst drop−15.0%17.9% vol

LRNDWorst drop−13.4%19.0% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

SPYLRND

+10.8%Year to date+7.8%

1.0%Yield0.3%

+13.0%Past year+9.9%

0.09%Fee0.14%

4–0SPY wins

End-of-day Nov 10, 2026

+3.4%Year to date+4.1%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$61.0B

1–1level

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

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LRND, SCHG and SPY

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three