FDLS vs QUAL

AFDLS

BQUAL

Measures won3–2FDLS wins · of 6 · 5Y

$10,000 · 5Y$17,156VOO · QUAL $16,498

Lowest cost0.03%VOO · $3 on $10k

Most income2.80%QUAL · $280 on $10k

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

Held in common0.7%FDLS and QUAL

FDLS

QUAL

Inspire Fidelis Multi Factor ETF · $256MiShares MSCI USA Quality Factor ETF · $47.5B

+22.1%3 years · per year$18,222 · $17,394+20.3%

[…]5 years · per year[…] · $16,498+10.5%

0.66%Expense ratio$66 · $15 on $10k · lower wins0.15%

0.86%12-mo yield$86 · $280 on $10k2.80%

−9.5%Worst dropSmaller wins−75.9%

16.5%VolatilityLower wins200.9%

3–2FDLS wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFDLS · QUAL

1.0%EOG0.3%

0.7%TER0.2%

0.9%DVN0.2%

Held in common0.7%

End-of-day Nov 5, 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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BQUAL	iShares MSCI USA Quality Factor ETFRead Desk	0.15%	2.80%	−75.9%	+11.0%	+13.7%	+20.3%	+10.5%	−75.9%	$47.5B
3	AFDLS	Inspire Fidelis Multi Factor ETFRead Desk	0.66%	0.86%	+0.7%	+16.0%	+19.2%	+22.1%	new	−9.5%	$256M

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

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BQUAL	iShares MSCI USA Quality Factor ETFRead Desk	0.15%	2.80%	−75.9%	+11.0%	+13.7%	+20.3%	+10.5%	−75.9%	$47.5B
3	AFDLS	Inspire Fidelis Multi Factor ETFRead Desk	0.66%	0.86%	+0.7%	+16.0%	+19.2%	+22.1%	new	−9.5%	$256M

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

Cards for this view

FDLS vs QUAL

FDLS

Inspire Fidelis Multi Factor

[…]

QUAL

iShares MSCI USA Quality Factor

$16,498

MeasureFDLSQUAL

Fee0.66%0.15%

Cost on $10k a year$66$15

Yield0.86%2.80%

5 years, per year[…]+10.5%

3 years, per year+22.1%+20.3%

Worst drop · 1Y−9.5%−75.9%

Volatility · 1Y16.5%200.9%

3–2measures won
FDLS first

0.7%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: FDLS, QUAL, VOO

Today

44.0%most shared, QUAL and VOO

FDLSQUALVOO

FDLS—0.7%2.2%

QUAL0.7%—44.0%

VOO2.2%44.0%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$265most kept, QUAL

QUAL$280 − $15 = $265

VOO$110 − $3 = $107

FDLS$86 − $66 = $20

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee