DFIP vs SPY

ADFIP

BSPY

Measures won3–2DFIP wins · of 6 · 5Y

$10,000 · 5Y$17,118SPY · VTI $16,375

Lowest cost0.03%VCIT · $3 on $10k

Most income5.31%DFIP · $531 on $10k

Smallest drop−4.3%DFIP · worst fall in 1Y

Held in common[…]DFIP and SPY

DFIP

SPY

Dimensional - Inflation-Protected Securities ETF · $1.1BState Street SPDR S&P 500 ETF · $778B

+4.6%3 years · per year$11,443 · $18,039+21.7%

[…]5 years · per year[…] · $17,118+11.3%

0.11%Expense ratio$11 · $9 on $10k · lower wins0.09%

5.31%12-mo yield$531 · $103 on $10k1.03%

−4.3%Worst dropSmaller wins−8.9%

3.7%VolatilityLower wins13.6%

3–2DFIP wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsDFIP · SPY

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$777.7B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
4	ADFIP	Dimensional - Inflation-Protected Securities ETFRead Desk	0.11%	5.31%	0.0%	−0.1%	0.0%	+4.6%	new	−4.3%	$1.1B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$777.7B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
4	ADFIP	Dimensional - Inflation-Protected Securities ETFRead Desk	0.11%	5.31%	0.0%	−0.1%	0.0%	+4.6%	new	−4.3%	$1.1B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

DFIP vs SPY

DFIP

Dimensional - Inflation-Protected Securities

[…]

SPY

SPDR S&P 500

$17,118

MeasureDFIPSPY

Fee0.11%0.09%

Cost on $10k a year$11$9

Yield5.31%1.03%

5 years, per year[…]+11.3%

3 years, per year+4.6%+21.7%

Worst drop · 1Y−4.3%−8.9%

Volatility · 1Y3.7%13.6%

3–2measures won
DFIP first

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 6, 2026

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

Overlap: DFIP, SPY, VCIT, VTI

Today

85.5%most shared, SPY and VTI

DFIPSPYVCITVTI

DFIP—[…][…][…]

SPY[…]—[…]85.5%

VCIT[…][…]—[…]

VTI[…]85.5%[…]—

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

Income After Fees on $10,000

$520most kept, DFIP

DFIP$531 − $11 = $520

VCIT$502 − $3 = $499

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

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