FDEM vs SPY

AFDEM

BSPY

Measures won1–5SPY wins · of 6 · 5Y

$10,000 · 5Y$17,118SPY · VTI $16,375

Lowest cost0.03%VTI · $3 on $10k

Most income3.56%FDEM · $356 on $10k

Smallest drop−8.9%SPY · worst fall in 1Y

Held in common0.0%FDEM and SPY

FDEM

SPY

Fidelity Emerging Markets Multifactor ETF · $499MState Street SPDR S&P 500 ETF · $778B

+18.9%3 years · per year$16,804 · $18,039+21.7%

+8.8%5 years · per year$15,275 · $17,118+11.3%

0.25%Expense ratio$25 · $9 on $10k · lower wins0.09%

3.56%12-mo yield$356 · $103 on $10k1.03%

−14.0%Worst dropSmaller wins−8.9%

22.5%VolatilityLower wins13.6%

1–5SPY wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFDEM · SPY

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

Held in common0.0%

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 Three

5Y3 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	AFDEM	Fidelity Emerging Markets Multifactor ETFRead Desk	0.25%	3.56%	+1.8%	+8.9%	+10.0%	+18.9%	+8.8%	−14.0%	$499M

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

All Three

5Y3 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	AFDEM	Fidelity Emerging Markets Multifactor ETFRead Desk	0.25%	3.56%	+1.8%	+8.9%	+10.0%	+18.9%	+8.8%	−14.0%	$499M

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

FDEM vs SPY

FDEM

Fidelity Emerging Markets Multifactor

$15,275

SPY

SPDR S&P 500

$17,118

MeasureFDEMSPY

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield3.56%1.03%

5 years, per year+8.8%+11.3%

3 years, per year+18.9%+21.7%

Worst drop · 1Y−14.0%−8.9%

Volatility · 1Y22.5%13.6%

5–1measures won
SPY first

0.0%

holdings shared

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: FDEM, SPY, VTI

Today

85.5%most shared, SPY and VTI

FDEMSPYVTI

FDEM—0.0%0.0%

SPY0.0%—85.5%

VTI0.0%85.5%—

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

Income After Fees on $10,000

$331most kept, FDEM

FDEM$356 − $25 = $331

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

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