FLQL vs IVV

AFLQL

BIVV

Measures won1–5IVV wins · of 6 · 5Y

$10,000 · 5Y$17,829FLQL · IVV $17,177

Lowest cost0.03%IVV · $3 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common56.1%FLQL and IVV

FLQL

IVV

Franklin U.S. Large Cap Multifactor Index ETF · $2.0BiShares Core S&P 500 ETF · $850B

+21.5%3 years · per year$17,915 · $18,084+21.8%

+12.3%5 years · per year$17,829 · $17,177+11.4%

0.15%Expense ratio$15 · $3 on $10k · lower wins0.03%

1.12%12-mo yield$112 · $114 on $10k1.14%

−9.0%Worst dropSmaller wins−8.9%

15.1%VolatilityLower wins13.6%

1–5IVV wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFLQL · IVV

8.6%AAPL7.9%

6.3%NVDA6.9%

5.9%MSFT6.3%

3.6%AMZN4.0%

Held in common56.1%

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	AFLQL	Franklin U.S. Large Cap Multifactor Index ETFRead Desk	0.15%	1.12%	+0.6%	+7.4%	+8.4%	+21.5%	+12.3%	−9.0%	$2.0B
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$850.0B
3	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B

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	AFLQL	Franklin U.S. Large Cap Multifactor Index ETFRead Desk	0.15%	1.12%	+0.6%	+7.4%	+8.4%	+21.5%	+12.3%	−9.0%	$2.0B
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$850.0B
3	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B

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

FLQL vs IVV

FLQL

Franklin U.S. Large Cap Multifactor Index

$17,829

IVV

iShares Core S&P 500

$17,177

MeasureFLQLIVV

Fee0.15%0.03%

Cost on $10k a year$15$3

Yield1.12%1.14%

5 years, per year+12.3%+11.4%

3 years, per year+21.5%+21.8%

Worst drop · 1Y−9.0%−8.9%

Volatility · 1Y15.1%13.6%

4–1measures won
IVV first

56.1%

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%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

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: FLQL, IVV, SPY

Today

99.9%most shared, IVV and SPY

FLQLIVVSPY

FLQL—56.1%56.1%

IVV56.1%—99.9%

SPY56.1%99.9%—

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

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

FLQL$112 − $15 = $97

SPY$103 − $9 = $94

KeptFee

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