FNDF vs SPY

AFNDF

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$19,326FNDF · SPY $17,099

Lowest cost0.03%VEA · $3 on $10k

Most income2.99%FNDF · $299 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 · $26.0BState Street SPDR S&P 500 ETF · $819B

+25.6%3 years · per year$19,830 · $18,174+22.0%

+14.1%5 years · per year$19,326 · $17,099+11.3%

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

2.99%12-mo yield$299 · $103 on $10k1.03%

−10.6%Worst dropSmaller wins−8.9%

16.4%VolatilityLower wins13.6%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNDF · SPY

0.1%MDT0.2%

0.2%NXPI0.1%

0.1%GRMN0.1%

0.0%SW0.0%

Held in common0.4%

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	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	2.99%	+2.2%	+21.8%	+28.6%	+25.6%	+14.1%	−10.6%	$26.0B
2	BSPY	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
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B

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	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	2.99%	+2.2%	+21.8%	+28.6%	+25.6%	+14.1%	−10.6%	$26.0B
2	BSPY	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
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B

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

FNDF vs SPY

FNDF

Schwab Fundamental International Large Company Index

$19,326

SPY

SPDR S&P 500

$17,099

MeasureFNDFSPY

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield2.99%1.03%

5 years, per year+14.1%+11.3%

3 years, per year+25.6%+22.0%

Worst drop · 1Y−10.6%−8.9%

Volatility · 1Y16.4%13.6%

3–3measures won
level

0.4%

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

VEA vs IEFA

YTD

VanguardVEA

+10.2%

IEFAiShares

+8.5%

+10.2%Year to date+8.5%

2.5%Yield3.4%

$232BAssets$189B

1–1level

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: FNDF, SPY, VEA

Today

60.4%most shared, FNDF and VEA

FNDFSPYVEA

FNDF—0.4%60.4%

SPY0.4%—0.0%

VEA60.4%0.0%—

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

Income After Fees on $10,000

$274most kept, FNDF

FNDF$299 − $25 = $274

VEA$250 − $3 = $247

SPY$103 − $9 = $94

KeptFee

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