FNCL vs XLF

AFNCL

BXLF

Measures won2–1FNCL wins · of 6 · 5Y

$10,000 · 5Y$18,115VOO · XLF $16,157

Lowest cost0.03%VOO · $3 on $10k

Most income1.55%FNCL · $155 on $10k

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

Held in common83.8%FNCL and XLF

FNCL

XLF

Fidelity MSCI Financials Index ETF · $2.2BState Street Financial Select Sector SPDR ETF · $53.8B

+25.2%3 years · per year$19,633 · $19,384+24.7%

+10.0%5 years · per year$16,077 · $16,157+10.1%

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

1.55%12-mo yield$155 · $140 on $10k1.40%

−14.8%Worst dropSmaller wins−14.8%

15.0%VolatilityLower wins15.0%

2–1FNCL wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · XLF

10.0%JPM11.2%

8.8%BRK-B12.9%

7.8%V8.9%

5.9%MA6.5%

Held in common83.8%

End-of-day Nov 4, 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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.40%	+3.5%	+9.4%	+15.3%	+24.7%	+10.1%	−14.8%	$53.8B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.55%	+3.4%	+8.9%	+15.0%	+25.2%	+10.0%	−14.8%	$2.2B

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.40%	+3.5%	+9.4%	+15.3%	+24.7%	+10.1%	−14.8%	$53.8B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.55%	+3.4%	+8.9%	+15.0%	+25.2%	+10.0%	−14.8%	$2.2B

End-of-day Nov 4, 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

$16,077

XLF

Financial Select Sector SPDR

$16,157

MeasureFNCLXLF

Fee0.08%0.08%

Cost on $10k a year$8$8

Yield1.55%1.40%

5 years, per year+10.0%+10.1%

3 years, per year+25.2%+24.7%

Worst drop · 1Y−14.8%−14.8%

Volatility · 1Y15.0%15.0%

2–1measures won
FNCL first

83.8%

holdings shared

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: FNCL, XLF, VOO

Today

83.8%most shared, FNCL and XLF

FNCLXLFVOO

FNCL—83.8%11.0%

XLF83.8%—11.3%

VOO11.0%11.3%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$147most kept, FNCL

FNCL$155 − $8 = $147

XLF$140 − $8 = $132

VOO$105 − $3 = $102

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee