Compare · 3 funds side by side · dividends reinvested

XTL, SPY and IVV

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$19,181XTL · best of the three

Story of the three · IncomeMost incomeIVV · 1.11% · $111 a year on $10k

Story of the three · RiskSmallest drop

XTL, SPY and IVV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.11%+10.9%+13.0%+21.5%+11.7%−8.9%13.8%$875B1.8

State Street SPDR S&P Telecom ETFSectors · Communication0.35%1.05%+21.4%+28.4%+40.7%+13.9%−31.1%32.7%$382M1.9

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%$778B2.4

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: XTL 2011 · SPY 1993 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street SPDR S&P Telecom ETF · $382M$19,181

XTL

SPY

State Street SPDR S&P 500 ETF · $778B$17,358

$10,000 five years ago, dividends reinvested · they hold 2.0% in common

XTLMeasure

More Ways to See the Pairs

XTL vs SPY: Top 5 Holdings

Today

XTL

19.3%in top 5

SPY

in top 527.3%

XTLStockSPY

not top 5AAPL7.9%

not top 5NVDA6.6%

not top 5MSFT6.2%

4.4%UInot top 5

not top 5AMZN4.0%

Cost, Income and Risk

Fees: XTL, SPY, IVV

Today

0.03%lowest, IVV

FundExpense ratioFee$10k

IVV0.03%$3

SPY0.09%$9

XTL0.35%$35

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

Yields: XTL, SPY, IVV

1Y

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%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 10, 2026

VOO vs IVV

YTD

VanguardVOO

+10.9%

IVViShares

+10.9%

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

SPY

+21.4%Year to dateJan 1 → Nov 10+10.8%

+28.4%1 yearTotal return+13.0%

+40.7%3 years · per year$10,000 became $27,860 · $17,888+21.4%

+13.9%5 years · per year$10,000 became $19,181 · $17,358+11.7%

0.35%Expense ratio$35 · $9 a year on $10k · lower is better0.09%

1.05%Trailing 12-mo yield$105 · $101 a year on $10k1.01%

−31.1%Worst dropSmaller is better−8.9%

32.7%VolatilityLower is calmer13.8%

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

5–3XTL wins

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

4.0%EXTRnot top 5

3.9%MSInot top 5

3.5%GSATnot top 5

3.5%VSATnot top 5

not top 5GOOGL2.6%

Held in common2.0%

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

XTL vs SPY Returns, Every Period

5Y

SPDRXTL

+13.9%

5 years, per year

SPYSPDR

+11.7%

5 years, per year

XTLSPYFaded: behind in that period

4–0XTL wins

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

Sector vs Core: XTL vs IVV

YTD

SPDRXTL

+21.4%

IVViShares

+10.9%

+21.4%Year to date+10.9%

−31.1%Worst drop · 1Y−8.9%

32.7%Volatility · 1Y13.8%

1.0%Yield1.1%

$382MAssets$875B

3–1IVV wins

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

1.11%highest, IVV

FundTrailing yieldYield$10k

IVV1.11%$111

XTL1.05%$105

SPY1.01%$101

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

Income After Fees on $10,000

1Y

$108most kept, IVV

IVV$111 − $3 = $108

SPY$101 − $9 = $92

XTL$105 − $35 = $70

KeptFee

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

Overlap: XTL, SPY, IVV

Today

99.9%most shared, SPY and IVV

XTLSPYIVV

XTL—2.0%2.0%

SPY2.0%—99.9%

IVV2.0%99.9%—

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

Return vs Bumpiness: 3 ETFs

1Y

+28.4%XTL, at 32.7% volatility

SPYWorst drop−8.9%13.8% vol

IVVWorst drop−8.9%13.8% vol

XTLWorst drop−31.1%32.7% vol

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

Paid More vs Made More

YTD

IVVXTL

+10.9%Year to date+21.4%

1.1%Yield1.0%

+13.0%Past year+28.4%

0.03%Fee0.35%

2–2level

End-of-day Nov 10, 2026

Year to date

+10.9%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

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XTL, SPY and IVV

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three