FRDM vs SPY

AFRDM

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$20,508FRDM · VOO $17,177

Lowest cost0.03%VOO · $3 on $10k

Most income2.00%FRDM · $200 on $10k

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

Held in common0.0%FRDM and SPY

FRDM

SPY

Freedom 100 Emerging Markets ETF · $3.1BState Street SPDR S&P 500 ETF · $819B

+30.7%3 years · per year$22,341 · $18,039+21.7%

+15.4%5 years · per year$20,508 · $17,118+11.3%

0.49%Expense ratio$49 · $9 on $10k · lower wins0.09%

2.00%12-mo yield$200 · $103 on $10k1.03%

−23.4%Worst dropSmaller wins−8.9%

33.2%VolatilityLower wins13.6%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFRDM · SPY

They share no top holdings, or holdings aren’t on file […]

Held in common0.0%

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 Three

5Y3 funds

#
1	AFRDM	Freedom 100 Emerging Markets ETFRead Desk	0.49%	2.00%	+2.0%	+16.5%	+24.7%	+30.7%	+15.4%	−23.4%	$3.1B
2	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
3	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

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	AFRDM	Freedom 100 Emerging Markets ETFRead Desk	0.49%	2.00%	+2.0%	+16.5%	+24.7%	+30.7%	+15.4%	−23.4%	$3.1B
2	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
3	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

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

FRDM vs SPY

FRDM

Freedom 100 Emerging Markets

$20,508

SPY

SPDR S&P 500

$17,118

MeasureFRDMSPY

Fee0.49%0.09%

Cost on $10k a year$49$9

Yield2.00%1.03%

5 years, per year+15.4%+11.3%

3 years, per year+30.7%+21.7%

Worst drop · 1Y−23.4%−8.9%

Volatility · 1Y33.2%13.6%

3–3measures won
level

0.0%

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

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

Overlap: FRDM, SPY, VOO

Today

92.2%most shared, SPY and VOO

FRDMSPYVOO

FRDM—0.0%0.0%

SPY0.0%—92.2%

VOO0.0%92.2%—

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

Income After Fees on $10,000

$151most kept, FRDM

FRDM$200 − $49 = $151

VOO$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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