FNCL vs SPYM

AFNCL

BSPYM

Measures won2–4SPYM wins · of 6 · 5Y

$10,000 · 5Y$17,192SPYM · VTI $16,375

Lowest cost0.02%SPYM · $2 on $10k

Most income1.60%FNCL · $160 on $10k

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

Held in common12.3%FNCL and SPYM

FNCL

SPYM

Fidelity MSCI Financials Index ETF · $2.3BState Street SPDR Portfolio S&P 500 ETF · $182B

+23.1%3 years · per year$18,650 · $18,082+21.8%

+9.0%5 years · per year$15,379 · $17,192+11.4%

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

1.60%12-mo yield$160 · $105 on $10k1.05%

−14.8%Worst dropSmaller wins−8.9%

15.3%VolatilityLower wins13.6%

2–4SPYM wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · SPYM

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	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.05%	+0.3%	+8.8%	+9.8%	+21.8%	+11.4%	−8.9%	$181.7B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
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	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.05%	+0.3%	+8.8%	+9.8%	+21.8%	+11.4%	−8.9%	$181.7B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
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 SPYM

FNCL

Fidelity MSCI Financials Index

$15,379

SPYM

SPDR Portfolio S&P 500

$17,192

MeasureFNCLSPYM

Fee0.08%0.02%

Cost on $10k a year$8$2

Yield1.60%1.05%

5 years, per year+9.0%+11.4%

3 years, per year+23.1%+21.8%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.3%13.6%

4–2measures won
SPYM first

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

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

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

Overlap: FNCL, SPYM, VTI

Today

85.5%most shared, SPYM and VTI

FNCLSPYMVTI

FNCL—12.3%11.3%

SPYM12.3%—85.5%

VTI11.3%85.5%—

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

VTI$109 − $3 = $106

SPYM$105 − $2 = $103

KeptFee

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