FNDF vs SPY

AFNDF

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,872FNDF · SPY $17,493

Lowest cost0.03%VEA · $3 on $10k

Most income3.03%FNDF · $303 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 · $25.6BState Street SPDR S&P 500 ETF · $778B

+23.7%3 years · per year$18,931 · $18,118+21.9%

+13.5%5 years · per year$18,872 · $17,493+11.8%

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

3.03%12-mo yield$303 · $101 on $10k1.01%

−10.6%Worst dropSmaller wins−8.9%

16.7%VolatilityLower wins13.7%

3–3Level

$10,000 · 5 yearsAll four, 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 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.03%	+2.4%	+20.2%	+27.8%	+23.7%	+13.5%	−10.6%	$25.6B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.55%	+2.6%	+11.3%	+14.3%	+20.9%	+9.8%	−9.7%	$81.8B
4	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	AFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.03%	+2.4%	+20.2%	+27.8%	+23.7%	+13.5%	−10.6%	$25.6B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.55%	+2.6%	+11.3%	+14.3%	+20.9%	+9.8%	−9.7%	$81.8B
4	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B

End-of-day Nov 9, 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

$18,872

SPY

SPDR S&P 500

$17,493

MeasureFNDFSPY

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield3.03%1.01%

5 years, per year+13.5%+11.8%

3 years, per year+23.7%+21.9%

Worst drop · 1Y−10.6%−8.9%

Volatility · 1Y16.7%13.7%

3–3measures won
level

0.4%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VEA vs IEFA

YTD

VanguardVEA

+12.9%

IEFAiShares

+11.1%

+12.9%Year to date+11.1%

2.4%Yield3.4%

$232BAssets$193B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: FNDF, SPY, VT, VEA

Today

59.8%most shared, FNDF and VEA

FNDFSPYVTVEA

FNDF—0.4%19.9%59.8%

SPY0.4%—55.2%0.0%

VT19.9%55.2%—23.3%

VEA59.8%0.0%23.3%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$278most kept, FNDF

FNDF$303 − $25 = $278

VEA$244 − $3 = $241

VT$155 − $6 = $149

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee