FNDF vs SPY

AFNDF

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$19,326FNDF · VOO $18,115

Lowest cost0.03%VOO · $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 · $25.9BState Street SPDR S&P 500 ETF · $805B

+25.6%3 years · per year$19,830 · $19,132+24.1%

+14.1%5 years · per year$19,326 · $18,060+12.6%

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

2.99%12-mo yield$299 · $99 on $10k0.99%

−10.6%Worst dropSmaller wins−8.9%

16.4%VolatilityLower wins12.9%

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 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	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%	$25.9B
2	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
3	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$804.8B

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	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%	$25.9B
2	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
3	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$804.8B

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

FNDF vs SPY

FNDF

Schwab Fundamental International Large Company Index

$19,326

SPY

SPDR S&P 500

$18,060

MeasureFNDFSPY

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield2.99%0.99%

5 years, per year+14.1%+12.6%

3 years, per year+25.6%+24.1%

Worst drop · 1Y−10.6%−8.9%

Volatility · 1Y16.4%12.9%

3–3measures won
level

0.4%

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: FNDF, SPY, VOO

Today

94.5%most shared, SPY and VOO

FNDFSPYVOO

FNDF—0.4%0.4%

SPY0.4%—94.5%

VOO0.4%94.5%—

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

Income After Fees on $10,000

$274most kept, FNDF

FNDF$299 − $25 = $274

VOO$105 − $3 = $102

SPY$99 − $9 = $90

KeptFee

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