FNCL vs IYF

AFNCL

BIYF

Measures won2–4IYF wins · of 6 · 5Y

$10,000 · 5Y$16,016IYF · XLF $15,474

Lowest cost0.08%FNCL · $8 on $10k

Most income1.60%FNCL · $160 on $10k

Smallest drop−13.9%IYF · worst fall in 1Y

Held in common72.0%FNCL and IYF

FNCL

IYF

Fidelity MSCI Financials Index ETF · $2.3BiShares U.S. Financials ETF · $3.8B

+23.1%3 years · per year$18,650 · $18,869+23.6%

+9.0%5 years · per year$15,379 · $16,016+9.9%

0.08%Expense ratio$8 · $37 on $10k · lower wins0.37%

1.60%12-mo yield$160 · $147 on $10k1.47%

−14.8%Worst dropSmaller wins−13.9%

15.3%VolatilityLower wins15.1%

2–4IYF wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · IYF

10.0%JPM10.9%

9.0%BRK-B12.9%

3.6%BAC3.6%

2.9%WFC3.7%

Held in common72.0%

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	BIYF	iShares U.S. Financials ETFRead Desk	0.37%	1.47%	−0.6%	+3.5%	+8.8%	+23.6%	+9.9%	−13.9%	$3.8B
2	XLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.4%	+22.5%	+9.1%	−14.8%	$55.5B
3	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 Three

5Y3 funds

#
1	BIYF	iShares U.S. Financials ETFRead Desk	0.37%	1.47%	−0.6%	+3.5%	+8.8%	+23.6%	+9.9%	−13.9%	$3.8B
2	XLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.4%	+22.5%	+9.1%	−14.8%	$55.5B
3	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 IYF

FNCL

Fidelity MSCI Financials Index

$15,379

IYF

iShares U.S. Financials

$16,016

MeasureFNCLIYF

Fee0.08%0.37%

Cost on $10k a year$8$37

Yield1.60%1.47%

5 years, per year+9.0%+9.9%

3 years, per year+23.1%+23.6%

Worst drop · 1Y−14.8%−13.9%

Volatility · 1Y15.3%15.1%

4–2measures won
IYF first

72.0%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

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

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

Overlap: FNCL, IYF, XLF

Today

83.8%most shared, FNCL and XLF

FNCLIYFXLF

FNCL—72.0%83.8%

IYF72.0%—77.0%

XLF83.8%77.0%—

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

XLF$144 − $8 = $136

IYF$147 − $37 = $110

KeptFee

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