FNDF vs SPY

AFNDF

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,791FNDF · IVV $17,747

Lowest cost0.03%IVV · $3 on $10k

Most income3.05%FNDF · $305 on $10k

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

Held in common0.4%FNDF and SPY

FNDF

SPY

Schwab Fundamental International Large Company Index ETF · $25.8BState Street SPDR S&P 500 ETF · $798B

+25.2%3 years · per year$19,645 · $19,046+24.0%

+13.4%5 years · per year$18,791 · $17,688+12.1%

0.25%Expense ratio$25 · $9 on $10k · lower wins0.09%

3.05%12-mo yield$305 · $101 on $10k1.01%

−10.6%Worst dropSmaller wins−8.9%

16.2%VolatilityLower wins12.8%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNDF · SPY

0.1%MDT0.2%

0.1%NXPI0.1%

0.1%GRMN0.1%

0.0%SW0.0%

Held in common0.4%

End-of-day Nov 3, 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	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.05%	−0.6%	+19.3%	+26.1%	+25.2%	+13.4%	−10.6%	$25.8B
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+0.3%	+11.6%	+11.9%	+24.1%	+12.2%	−8.9%	$872.0B
3	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+0.3%	+11.5%	+11.8%	+24.0%	+12.1%	−8.9%	$798.0B

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

All Three

5Y3 funds

#
1	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.05%	−0.6%	+19.3%	+26.1%	+25.2%	+13.4%	−10.6%	$25.8B
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+0.3%	+11.6%	+11.9%	+24.1%	+12.2%	−8.9%	$872.0B
3	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+0.3%	+11.5%	+11.8%	+24.0%	+12.1%	−8.9%	$798.0B

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

Cards for this view

FNDF vs SPY

FNDF

Schwab Fundamental International Large Company Index

$18,791

SPY

SPDR S&P 500

$17,688

MeasureFNDFSPY

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield3.05%1.01%

5 years, per year+13.4%+12.1%

3 years, per year+25.2%+24.0%

Worst drop · 1Y−10.6%−8.9%

Volatility · 1Y16.2%12.8%

3–3measures won
level

0.4%

holdings shared

Nov 3, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.5%

SPYSPDR

+11.5%

+11.5%Year to date+11.5%

1.0%Yield1.0%

$185BAssets$798B

0–0level

End-of-day Nov 3, 2026

VOO vs IVV

YTD

VanguardVOO

+11.5%

IVViShares

+11.6%

+11.5%Year to date+11.6%

1.1%Yield1.1%

$1.00TAssets$872B

1–0IVV wins

End-of-day Nov 3, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

Overlap: FNDF, SPY, IVV

Today

98.7%most shared, SPY and IVV

FNDFSPYIVV

FNDF—0.4%0.4%

SPY0.4%—98.7%

IVV0.4%98.7%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$280most kept, FNDF

FNDF$305 − $25 = $280

IVV$111 − $3 = $108

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee