FNCL vs IVV

AFNCL

BIVV

Measures won2–4IVV wins · of 6 · 5Y

$10,000 · 5Y$25,271XLE · IVV $17,545

Lowest cost0.03%IVV · $3 on $10k

Most income2.46%XLE · $246 on $10k

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

Held in common12.2%FNCL and IVV

FNCL

IVV

Fidelity MSCI Financials Index ETF · $2.3BiShares Core S&P 500 ETF · $875B

+22.7%3 years · per year$18,458 · $18,159+22.0%

+9.2%5 years · per year$15,532 · $17,545+11.9%

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

1.58%12-mo yield$158 · $111 on $10k1.11%

−14.8%Worst dropSmaller wins−8.9%

15.4%VolatilityLower wins13.8%

2–4IVV wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFNCL · IVV

9.0%BRK-B1.7%

9.9%JPM1.4%

7.9%V1.1%

5.9%MA0.8%

Held in common12.2%

End-of-day Nov 9, 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	XLE	State Street Energy Select Sector SPDR ETFRead Desk	0.08%	2.46%	+0.5%	+41.3%	+44.3%	+15.9%	+20.4%	−15.0%	$40.5B
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
4	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.58%	+1.5%	+6.8%	+12.3%	+22.7%	+9.2%	−14.8%	$2.3B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	XLE	State Street Energy Select Sector SPDR ETFRead Desk	0.08%	2.46%	+0.5%	+41.3%	+44.3%	+15.9%	+20.4%	−15.0%	$40.5B
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
4	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.58%	+1.5%	+6.8%	+12.3%	+22.7%	+9.2%	−14.8%	$2.3B

End-of-day Nov 9, 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

$15,532

IVV

iShares Core S&P 500

$17,545

MeasureFNCLIVV

Fee0.08%0.03%

Cost on $10k a year$8$3

Yield1.58%1.11%

5 years, per year+9.2%+11.9%

3 years, per year+22.7%+22.0%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.4%13.8%

4–2measures won
IVV first

12.2%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

XLE vs VDE

YTD

SPDRXLE

+41.3%

VDEVanguard

+39.4%

+41.3%Year to date+39.4%

2.5%Yield2.4%

$40.5BAssets$10.4B

2–0XLE wins

End-of-day Nov 9, 2026

Overlap: FNCL, IVV, XLE, VTI

Today

86.0%most shared, IVV and VTI

FNCLIVVXLEVTI

FNCL—12.2%0.0%11.3%

IVV12.2%—3.5%86.0%

XLE0.0%3.5%—3.0%

VTI11.3%86.0%3.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$238most kept, XLE

XLE$246 − $8 = $238

FNCL$158 − $8 = $150

IVV$111 − $3 = $108

VTI$106 − $3 = $103

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee