FNCL vs XLF

AFNCL

BXLF

Measures won2–1FNCL wins · of 6 · 5Y

$10,000 · 5Y$25,404XLE · XLF $15,503

Lowest cost0.08%FNCL · $8 on $10k

Most income2.47%XLE · $247 on $10k

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

Held in common83.9%FNCL and XLF

FNCL

XLF

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

+23.6%3 years · per year$18,881 · $18,620+23.0%

+9.1%5 years · per year$15,425 · $15,503+9.2%

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

1.59%12-mo yield$159 · $144 on $10k1.44%

−14.8%Worst dropSmaller wins−14.8%

15.3%VolatilityLower wins15.3%

2–1FNCL wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNCL · XLF

10.1%JPM11.2%

8.8%BRK-B12.9%

7.8%V8.9%

5.9%MA6.5%

Held in common83.9%

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	XLE	State Street Energy Select Sector SPDR ETFRead Desk	0.08%	2.47%	−3.0%	+40.6%	+45.4%	+16.7%	+20.5%	−15.0%	$44.1B
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−2.9%	+6.3%	+11.4%	+23.0%	+9.2%	−14.8%	$53.8B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.59%	−2.8%	+5.8%	+11.3%	+23.6%	+9.1%	−14.8%	$2.2B

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	XLE	State Street Energy Select Sector SPDR ETFRead Desk	0.08%	2.47%	−3.0%	+40.6%	+45.4%	+16.7%	+20.5%	−15.0%	$44.1B
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−2.9%	+6.3%	+11.4%	+23.0%	+9.2%	−14.8%	$53.8B
3	AFNCL	Fidelity MSCI Financials Index ETFRead Desk	0.08%	1.59%	−2.8%	+5.8%	+11.3%	+23.6%	+9.1%	−14.8%	$2.2B

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 XLF

FNCL

Fidelity MSCI Financials Index

$15,425

XLF

Financial Select Sector SPDR

$15,503

MeasureFNCLXLF

Fee0.08%0.08%

Cost on $10k a year$8$8

Yield1.59%1.44%

5 years, per year+9.1%+9.2%

3 years, per year+23.6%+23.0%

Worst drop · 1Y−14.8%−14.8%

Volatility · 1Y15.3%15.3%

2–1measures won
FNCL first

83.9%

holdings shared

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

XLE vs VDE

YTD

SPDRXLE

+40.6%

VDEVanguard

+38.4%

+40.6%Year to date+38.4%

2.5%Yield2.4%

$44.1BAssets$10.4B

2–0XLE wins

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: FNCL, XLF, XLE

Today

83.9%most shared, FNCL and XLF

FNCLXLFXLE

FNCL—83.9%0.0%

XLF83.9%—0.0%

XLE0.0%0.0%—

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

Income After Fees on $10,000

$239most kept, XLE

XLE$247 − $8 = $239

FNCL$159 − $8 = $151

XLF$144 − $8 = $136

KeptFee

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