FNCL vs SPY

AFNCL

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,060SPY · FNCL $16,077

Lowest cost0.08%FNCL · $8 on $10k

Most income1.55%FNCL · $155 on $10k

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

Held in common11.9%FNCL and SPY

FNCL

SPY

Fidelity MSCI Financials Index ETF · $2.2BState Street SPDR S&P 500 ETF · $798B

+25.2%3 years · per year$19,633 · $19,132+24.1%

+10.0%5 years · per year$16,077 · $18,060+12.6%

0.08%Expense ratio$8 · $9 on $10k · lower wins0.09%

1.55%12-mo yield$155 · $99 on $10k0.99%

−14.8%Worst dropSmaller wins−8.9%

15.0%VolatilityLower wins12.9%

3–3Level

$10,000 · 5 yearsOne scale

Shared top holdingsFNCL · SPY

8.8%BRK-B1.6%

10.0%JPM1.4%

7.8%V1.1%

5.9%MA0.8%

Held in common11.9%

End-of-day Nov 4, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

Both

5Y2 funds

#			Trend
1	BSPY	State Street SPDR S&P 500 ETFRead Desk		0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$798.0B
2	AFNCL	Fidelity MSCI Financials Index ETFRead Desk		0.08%	1.55%	+3.4%	+8.9%	+15.0%	+25.2%	+10.0%	−14.8%	$2.2B

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Both

5Y2 funds

#			Trend
1	BSPY	State Street SPDR S&P 500 ETFRead Desk		0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$798.0B
2	AFNCL	Fidelity MSCI Financials Index ETFRead Desk		0.08%	1.55%	+3.4%	+8.9%	+15.0%	+25.2%	+10.0%	−14.8%	$2.2B

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

FNCL vs SPY

FNCL

Fidelity MSCI Financials Index

$16,077

SPY

SPDR S&P 500

$18,060

MeasureFNCLSPY

Fee0.08%0.09%

Cost on $10k a year$8$9

Yield1.55%0.99%

5 years, per year+10.0%+12.6%

3 years, per year+25.2%+24.1%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.0%12.9%

3–3measures won
level

11.9%

holdings shared

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026

Overlap: FNCL, SPY

Today

11.9%most shared, FNCL and SPY

FNCLSPY

FNCL—11.9%

SPY11.9%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$147most kept, FNCL

FNCL$155 − $8 = $147

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee