FNCL vs IVV

AFNCL

BIVV

Measures won2–4IVV wins · of 6 · 5Y

$10,000 · 5Y$17,177VOO · IVV $17,177

Lowest cost0.03%IVV · $3 on $10k

Most income1.60%FNCL · $160 on $10k

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

Held in common12.3%FNCL and IVV

FNCL

IVV

Fidelity MSCI Financials Index ETF · $2.3BiShares Core S&P 500 ETF · $850B

+23.1%3 years · per year$18,650 · $18,084+21.8%

+9.0%5 years · per year$15,379 · $17,177+11.4%

0.08%Expense ratio$8 · $3 on $10k · lower wins0.03%

1.60%12-mo yield$160 · $114 on $10k1.14%

−14.8%Worst dropSmaller wins−8.9%

15.3%VolatilityLower wins13.6%

2–4IVV wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFNCL · IVV

9.0%BRK-B1.7%

10.0%JPM1.4%

7.8%V1.1%

5.9%MA0.8%

Held in common12.3%

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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
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
4	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.60%	−0.6%	+5.2%	+10.2%	+23.1%	+9.0%	−14.8%	$2.3B

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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
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
4	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.60%	−0.6%	+5.2%	+10.2%	+23.1%	+9.0%	−14.8%	$2.3B

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

FNCL vs IVV

FNCL

Fidelity MSCI Financials Index

$15,379

IVV

iShares Core S&P 500

$17,177

MeasureFNCLIVV

Fee0.08%0.03%

Cost on $10k a year$8$3

Yield1.60%1.14%

5 years, per year+9.0%+11.4%

3 years, per year+23.1%+21.8%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.3%13.6%

4–2measures won
IVV first

12.3%

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: FNCL, IVV, VOO, SPY

Today

99.9%most shared, IVV and SPY

FNCLIVVVOOSPY

FNCL—12.3%11.0%12.3%

IVV12.3%—92.2%99.9%

VOO11.0%92.2%—92.2%

SPY12.3%99.9%92.2%—

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

Income After Fees on $10,000

$152most kept, FNCL

FNCL$160 − $8 = $152

IVV$114 − $3 = $111

VOO$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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