FNCL vs VTI

AFNCL

BVTI

Measures won2–4VTI wins · of 6 · 5Y

$10,000 · 5Y$17,177VOO · IVV $17,177

Lowest cost0.03%VTI · $3 on $10k

Most income1.60%FNCL · $160 on $10k

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

Held in common11.3%FNCL and VTI

FNCL

VTI

Fidelity MSCI Financials Index ETF · $2.3BVanguard Morningstar Total Stock Market ETF · $689B

+23.1%3 years · per year$18,650 · $18,004+21.7%

+9.0%5 years · per year$15,379 · $16,375+10.4%

0.08%Expense ratio$8 · $3 on $10k · lower wins0.03%

1.60%12-mo yield$160 · $109 on $10k1.09%

−14.8%Worst dropSmaller wins−8.9%

15.3%VolatilityLower wins13.7%

2–4VTI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFNCL · VTI

9.0%BRK-B1.2%

10.0%JPM1.2%

7.8%V0.8%

5.9%MA0.6%

Held in common11.3%

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 Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$852.9B
3	BVTI	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
4	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 Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$852.9B
3	BVTI	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
4	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 VTI

FNCL

Fidelity MSCI Financials Index

$15,379

VTI

Vanguard Morningstar Total Stock Market

$16,375

MeasureFNCLVTI

Fee0.08%0.03%

Cost on $10k a year$8$3

Yield1.60%1.09%

5 years, per year+9.0%+10.4%

3 years, per year+23.1%+21.7%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.3%13.7%

4–2measures won
VTI first

11.3%

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%

$178BAssets$778B

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$93.2B

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, VTI, IVV, VOO

Today

92.2%most shared, IVV and VOO

FNCLVTIIVVVOO

FNCL—11.3%12.3%11.0%

VTI11.3%—85.5%89.0%

IVV12.3%85.5%—92.2%

VOO11.0%89.0%92.2%—

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

IVV$114 − $3 = $111

VOO$110 − $3 = $107

VTI$109 − $3 = $106

KeptFee

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