FNCL vs SPY

AFNCL

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,509QQQ · SPY $17,118

Lowest cost0.08%FNCL · $8 on $10k

Most income1.60%FNCL · $160 on $10k

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

Held in common12.3%FNCL and SPY

FNCL

SPY

Fidelity MSCI Financials Index ETF · $2.3BState Street SPDR S&P 500 ETF · $819B

+23.1%3 years · per year$18,650 · $18,039+21.7%

+9.0%5 years · per year$15,379 · $17,118+11.3%

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

1.60%12-mo yield$160 · $103 on $10k1.03%

−14.8%Worst dropSmaller wins−8.9%

15.3%VolatilityLower wins13.6%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · SPY

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 Three

5Y3 funds

#
1	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.47%	+1.4%	+7.2%	+5.8%	+23.2%	+11.9%	−14.8%	$469.3B
2	BSPY	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
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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.47%	+1.4%	+7.2%	+5.8%	+23.2%	+11.9%	−14.8%	$469.3B
2	BSPY	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
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 SPY

FNCL

Fidelity MSCI Financials Index

$15,379

SPY

SPDR S&P 500

$17,118

MeasureFNCLSPY

Fee0.08%0.09%

Cost on $10k a year$8$9

Yield1.60%1.03%

5 years, per year+9.0%+11.3%

3 years, per year+23.1%+21.7%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.3%13.6%

3–3measures won
level

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

QQQM vs QQQ

YTD

InvescoQQQM

+7.2%

QQQInvesco

+7.2%

+7.2%Year to date+7.2%

0.15% · $15Fee · on $10k a year0.18% · $18

$107BAssets$469B

1–0QQQM wins

End-of-day Nov 6, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−0.3%

QQQInvesco

+7.2%

−0.3%Year to date+7.2%

0.94% · $94Fee · on $10k a year0.18% · $18

$27.1BAssets$469B

2–0QQQ wins

End-of-day Nov 6, 2026

Overlap: FNCL, SPY, QQQ

Today

52.1%most shared, SPY and QQQ

FNCLSPYQQQ

FNCL—12.3%0.2%

SPY12.3%—52.1%

QQQ0.2%52.1%—

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

SPY$103 − $9 = $94

QQQ$47 − $18 = $29

KeptFee

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