FNCL vs VFH

AFNCL

BVFH

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$15,474XLF · FNCL $15,379

Lowest cost0.08%FNCL · $8 on $10k

Most income1.70%VFH · $170 on $10k

Smallest drop−14.7%VFH · worst fall in 1Y

Held in common92.4%FNCL and VFH

FNCL

VFH

Fidelity MSCI Financials Index ETF · $2.3BVanguard Financials ETF · $12.7B

+23.1%3 years · per year$18,650 · $18,635+23.1%

+9.0%5 years · per year$15,379 · $15,375+9.0%

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

1.60%12-mo yield$160 · $170 on $10k1.70%

−14.8%Worst dropSmaller wins−14.7%

15.3%VolatilityLower wins15.4%

2–2Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · VFH

10.0%JPM10.4%

9.0%BRK-B8.3%

7.8%V7.1%

5.9%MA5.3%

Held in common92.4%

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	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
2	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
3	BVFH	Vanguard Financials ETFRead Desk	0.09%	1.70%	−0.6%	+5.2%	+10.1%	+23.1%	+9.0%	−14.7%	$12.7B

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	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
2	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
3	BVFH	Vanguard Financials ETFRead Desk	0.09%	1.70%	−0.6%	+5.2%	+10.1%	+23.1%	+9.0%	−14.7%	$12.7B

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 VFH

FNCL

Fidelity MSCI Financials Index

$15,379

VFH

Vanguard Financials

$15,375

MeasureFNCLVFH

Fee0.08%0.09%

Cost on $10k a year$8$9

Yield1.60%1.70%

5 years, per year+9.0%+9.0%

3 years, per year+23.1%+23.1%

Worst drop · 1Y−14.8%−14.7%

Volatility · 1Y15.3%15.4%

2–2measures won
level

92.4%

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, VFH, XLF

Today

92.4%most shared, FNCL and VFH

FNCLVFHXLF

FNCL—92.4%83.8%

VFH92.4%—84.9%

XLF83.8%84.9%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$161most kept, VFH

VFH$170 − $9 = $161

FNCL$160 − $8 = $152

XLF$144 − $8 = $136

KeptFee

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