FNCL vs SPYM

AFNCL

BSPYM

Measures won2–4SPYM wins · of 6 · 5Y

$10,000 · 5Y$18,126SPYM · IVV $18,118

Lowest cost0.02%SPYM · $2 on $10k

Most income1.55%FNCL · $155 on $10k

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

Held in common11.9%FNCL and SPYM

FNCL

SPYM

Fidelity MSCI Financials Index ETF · $2.2BState Street SPDR Portfolio S&P 500 ETF · $182B

+25.2%3 years · per year$19,633 · $19,186+24.3%

+10.0%5 years · per year$16,077 · $18,126+12.6%

0.08%Expense ratio$8 · $2 on $10k · lower wins0.02%

1.55%12-mo yield$155 · $101 on $10k1.01%

−14.8%Worst dropSmaller wins−8.9%

15.0%VolatilityLower wins12.8%

2–4SPYM wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · SPYM

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

All Three

5Y3 funds

#
1	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.01%	+1.7%	+13.4%	+13.5%	+24.3%	+12.6%	−8.9%	$181.7B
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.09%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$886.8B
3	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

All Three

5Y3 funds

#
1	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.01%	+1.7%	+13.4%	+13.5%	+24.3%	+12.6%	−8.9%	$181.7B
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.09%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$886.8B
3	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 SPYM

FNCL

Fidelity MSCI Financials Index

$16,077

SPYM

SPDR Portfolio S&P 500

$18,126

MeasureFNCLSPYM

Fee0.08%0.02%

Cost on $10k a year$8$2

Yield1.55%1.01%

5 years, per year+10.0%+12.6%

3 years, per year+25.2%+24.3%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.0%12.8%

4–2measures won
SPYM first

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%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: FNCL, SPYM, IVV

Today

99.8%most shared, SPYM and IVV

FNCLSPYMIVV

FNCL—11.9%11.9%

SPYM11.9%—99.8%

IVV11.9%99.8%—

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

IVV$109 − $3 = $106

SPYM$101 − $2 = $99

KeptFee

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