FNCL vs VTI

AFNCL

BVTI

Measures won2–4VTI wins · of 6 · 5Y

$10,000 · 5Y$17,099SPY · VTI $16,332

Lowest cost0.03%VTI · $3 on $10k

Most income1.59%FNCL · $159 on $10k

Smallest drop−8.9%SPY · 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

+23.6%3 years · per year$18,881 · $18,113+21.9%

+9.1%5 years · per year$15,425 · $16,332+10.3%

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

1.59%12-mo yield$159 · $110 on $10k1.10%

−14.8%Worst dropSmaller wins−8.9%

15.3%VolatilityLower wins13.7%

2–4VTI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · VTI

8.8%BRK-B1.2%

10.1%JPM1.2%

7.8%V0.8%

5.9%MA0.6%

Held in common11.3%

End-of-day Nov 5, 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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.59%	−2.8%	+5.8%	+11.3%	+23.6%	+9.1%	−14.8%	$2.3B

End-of-day Nov 5, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.59%	−2.8%	+5.8%	+11.3%	+23.6%	+9.1%	−14.8%	$2.3B

End-of-day Nov 5, 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

$15,425

VTI

Vanguard Morningstar Total Stock Market

$16,332

MeasureFNCLVTI

Fee0.08%0.03%

Cost on $10k a year$8$3

Yield1.59%1.10%

5 years, per year+9.1%+10.3%

3 years, per year+23.6%+21.9%

Worst drop · 1Y−14.8%−8.9%

Volatility · 1Y15.3%13.7%

4–2measures won
VTI first

11.3%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$92.8B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: FNCL, VTI, SPY

Today

86.5%most shared, VTI and SPY

FNCLVTISPY

FNCL—11.3%12.1%

VTI11.3%—86.5%

SPY12.1%86.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$151most kept, FNCL

FNCL$159 − $8 = $151

VTI$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee