Compare · 4 funds side by side · dividends reinvested

NETL, DES, XLF and SCHD

NETLNETL×DESWisdomTree×XLFSPDR×SCHDSchwab×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$16,459SCHD · best of the four

02 / 04

NETL, DES, XLF and SCHD, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$120B1.3

WisdomTree U.S. SmallCap Dividend FundIncome · Dividend stocks0.38%2.29%+19.8%+23.9%+15.1%+6.7%−8.7%14.7%$2.1B2.5

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B2.9

Colterpoint Net Lease Real Estate ETFSectors · Real estate0.60%5.14%+7.6%+8.6%+9.0%−0.3%−16.7%15.0%$48M3.4

Rank among the four1st → 4thFee, 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: NETL 2019 · DES 2006 · XLF 1998 · SCHD 2011

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.4B$15,690

XLF

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,459

$10,000 five years ago, dividends reinvested · they hold 3.4% in common

XLFMeasureSCHD

+7.2%Year to dateJan 1 → Nov 9+33.2%

+12.4%1 yearTotal return+39.1%

+22.2%3 years · per year$10,000 became $18,230 · $17,123+19.6%

+9.4%5 years · per year$10,000 became $15,690 · $16,459+10.5%

0.08%Expense ratio$8 · $6 a year on $10k · lower is better0.06%

1.42%Trailing 12-mo yield$142 · $296 a year on $10k2.96%

−14.8%Worst dropSmaller is better−6.9%

15.3%VolatilityLower is calmer11.8%

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

1–7SCHD wins

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

More Ways to See the Pairs

XLF vs SCHD: Top 5 Holdings

Today

XLF

43.8%in top 5

SCHD

in top 521.4%

XLFStockSCHD

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

9.0%Vnot top 5

6.6%MAnot top 5

not top 5PG4.4%

not top 5TXN4.3%

not top 5KO4.3%

not top 5HD4.3%

not top 5AMGN4.1%

4.0%BACnot top 5

Held in common3.4%

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

XLF vs SCHD Returns, Every Period

SPDRXLF

+9.4%

5 years, per year

SCHDSchwab

+10.5%

5 years, per year

XLFSCHDFaded: behind in that period

1–3SCHD wins

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

XLF vs NETL

YTD

SPDRXLF

+7.2%

NETLNETL

+7.6%

+7.2%Year to date+7.6%

−14.8%Worst drop · 1Y−16.7%

15.3%Volatility · 1Y15.0%

1.4%Yield5.1%

$53.4BAssets$48.2M

3–1NETL wins

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

Cost, Income and Risk

Fees: NETL, DES, XLF, SCHD

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

XLF0.08%$8

DES0.38%$38

NETL0.60%$60

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

Yields: NETL, DES, XLF, SCHD

5.14%highest, NETL

FundTrailing yieldYield$10k

NETL5.14%$514

SCHD2.96%$296

DES2.29%$229

XLF1.42%$142

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

Income After Fees on $10,000

$454most kept, NETL

NETL$514 − $60 = $454

SCHD$296 − $6 = $290

DES$229 − $38 = $191

XLF$142 − $8 = $134

KeptFee

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

Overlap: NETL, DES, XLF, SCHD

Today

3.4%most shared, XLF and SCHD

NETLDESXLFSCHD

NETL—2.0%0.0%0.0%

DES2.0%—0.0%1.1%

XLF0.0%0.0%—3.4%

SCHD0.0%1.1%3.4%—

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

Return vs Bumpiness: 4 ETFs

+39.1%SCHD, at 11.8% volatility

SCHDWorst drop−6.9%11.8% vol

DESWorst drop−8.7%14.7% vol

NETLWorst drop−16.7%15.0% vol

XLFWorst drop−14.8%15.3% vol

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

Paid More vs Made More

YTD

NETLSCHD

+7.6%Year to date+33.2%

5.1%Yield3.0%

+8.6%Past year+39.1%

0.60%Fee0.06%

3–1SCHD wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026