FNCL vs XLF

AFNCL

BXLF

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$21,281VGT · XLF $15,690

Lowest cost0.08%FNCL · $8 on $10k

Most income1.58%FNCL · $158 on $10k

Smallest drop−14.8%FNCL · worst fall in 1Y

Held in common83.8%FNCL and XLF

FNCL

XLF

Fidelity MSCI Financials Index ETF · $2.3BState Street Financial Select Sector SPDR ETF · $53.4B

+22.7%3 years · per year$18,458 · $18,230+22.2%

+9.2%5 years · per year$15,532 · $15,690+9.4%

0.08%Expense ratio$8 · $8 on $10k · lower wins0.08%

1.58%12-mo yield$158 · $142 on $10k1.42%

−14.8%Worst dropSmaller wins−14.8%

15.4%VolatilityLower wins15.3%

2–2Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · XLF

9.9%JPM11.1%

9.0%BRK-B13.2%

7.9%V9.0%

5.9%MA6.6%

Held in common83.8%

End-of-day Nov 9, 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	VGT	Vanguard Information Technology ETFRead Desk	0.09%	0.42%	+3.2%	+19.3%	+18.0%	+29.2%	+16.3%	−17.5%	$154.5B
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.42%	+1.5%	+7.2%	+12.4%	+22.2%	+9.4%	−14.8%	$53.4B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.58%	+1.5%	+6.8%	+12.3%	+22.7%	+9.2%	−14.8%	$2.3B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VGT	Vanguard Information Technology ETFRead Desk	0.09%	0.42%	+3.2%	+19.3%	+18.0%	+29.2%	+16.3%	−17.5%	$154.5B
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.42%	+1.5%	+7.2%	+12.4%	+22.2%	+9.4%	−14.8%	$53.4B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.58%	+1.5%	+6.8%	+12.3%	+22.7%	+9.2%	−14.8%	$2.3B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

FNCL vs XLF

FNCL

Fidelity MSCI Financials Index

$15,532

XLF

Financial Select Sector SPDR

$15,690

MeasureFNCLXLF

Fee0.08%0.08%

Cost on $10k a year$8$8

Yield1.58%1.42%

5 years, per year+9.2%+9.4%

3 years, per year+22.7%+22.2%

Worst drop · 1Y−14.8%−14.8%

Volatility · 1Y15.4%15.3%

2–2measures won
level

83.8%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

XLK vs VGT

YTD

SPDRXLK

+19.1%

VGTVanguard

+19.3%

+19.1%Year to date+19.3%

0.08% · $8Fee · on $10k a year0.09% · $9

$110BAssets$155B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: FNCL, XLF, VGT

Today

83.8%most shared, FNCL and XLF

FNCLXLFVGT

FNCL—83.8%0.0%

XLF83.8%—0.0%

VGT0.0%0.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$150most kept, FNCL

FNCL$158 − $8 = $150

XLF$142 − $8 = $134

VGT$42 − $9 = $33

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee