FNDF vs SPY

AFNDF

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,637FNDF · SPY $17,118

Lowest cost0.03%VEA · $3 on $10k

Most income3.10%FNDF · $310 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

+23.6%3 years · per year$18,863 · $18,039+21.7%

+13.3%5 years · per year$18,637 · $17,118+11.3%

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

3.10%12-mo yield$310 · $103 on $10k1.03%

−10.6%Worst dropSmaller wins−8.9%

16.6%VolatilityLower wins13.6%

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 6, 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%	3.10%	−0.9%	+17.4%	+24.6%	+23.6%	+13.3%	−10.6%	$26.0B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
4	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.45%	+0.1%	+8.1%	+11.6%	+19.2%	+7.7%	−11.3%	$163.2B

End-of-day Nov 6, 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%	3.10%	−0.9%	+17.4%	+24.6%	+23.6%	+13.3%	−10.6%	$26.0B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
4	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.45%	+0.1%	+8.1%	+11.6%	+19.2%	+7.7%	−11.3%	$163.2B

End-of-day Nov 6, 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

$18,636

SPY

SPDR S&P 500

$17,118

MeasureFNDFSPY

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield3.10%1.03%

5 years, per year+13.3%+11.3%

3 years, per year+23.6%+21.7%

Worst drop · 1Y−10.6%−8.9%

Volatility · 1Y16.6%13.6%

3–3measures won
level

0.4%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VXUS vs IXUS

YTD

VanguardVXUS

+8.1%

IXUSiShares

+8.2%

+8.1%Year to date+8.2%

2.5%Yield3.1%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 6, 2026

VEA vs IEFA

YTD

VanguardVEA

+9.7%

IEFAiShares

+7.7%

+9.7%Year to date+7.7%

2.5%Yield3.5%

$232BAssets$189B

1–1level

End-of-day Nov 6, 2026

Overlap: FNDF, SPY, VXUS, VEA

Today

65.3%most shared, VXUS and VEA

FNDFSPYVXUSVEA

FNDF—0.4%47.3%59.8%

SPY0.4%—0.0%0.0%

VXUS47.3%0.0%—65.3%

VEA59.8%0.0%65.3%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$285most kept, FNDF

FNDF$310 − $25 = $285

VEA$251 − $3 = $248

VXUS$245 − $5 = $240

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee