HDEF vs SPY

AHDEF

BSPY

Measures won4–1HDEF wins · of 6 · 5Y

$10,000 · 5Y$18,466HDEF · IVV $17,545

Lowest cost0.03%IVV · $3 on $10k

Most income3.67%HDEF · $367 on $10k

Smallest drop−8.1%HDEF · worst fall in 1Y

Held in common0.0%HDEF and SPY

HDEF

SPY

Xtrackers MSCI EAFE High Dividend Yield Equity ETF · $2.3BState Street SPDR S&P 500 ETF · $778B

+20.2%3 years · per year$17,353 · $18,118+21.9%

+13.1%5 years · per year$18,466 · $17,493+11.8%

0.09%Expense ratio$9 · $9 on $10k · lower wins0.09%

3.67%12-mo yield$367 · $101 on $10k1.01%

−8.1%Worst dropSmaller wins−8.9%

12.4%VolatilityLower wins13.7%

4–1HDEF wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsHDEF · SPY

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

Held in common0.0%

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 Three

5Y3 funds

#
1	AHDEF	Xtrackers MSCI EAFE High Dividend Yield Equity ETFRead Desk	0.09%	3.67%	+1.5%	+15.3%	+21.2%	+20.2%	+13.1%	−8.1%	$2.3B
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
3	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

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

All Three

5Y3 funds

#
1	AHDEF	Xtrackers MSCI EAFE High Dividend Yield Equity ETFRead Desk	0.09%	3.67%	+1.5%	+15.3%	+21.2%	+20.2%	+13.1%	−8.1%	$2.3B
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
3	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

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

HDEF vs SPY

HDEF

Xtrackers MSCI EAFE High Dividend Yield Equity

$18,466

SPY

SPDR S&P 500

$17,493

MeasureHDEFSPY

Fee0.09%0.09%

Cost on $10k a year$9$9

Yield3.67%1.01%

5 years, per year+13.1%+11.8%

3 years, per year+20.2%+21.9%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.4%13.7%

4–1measures won
HDEF first

0.0%

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

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

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: HDEF, SPY, IVV

Today

99.9%most shared, SPY and IVV

HDEFSPYIVV

HDEF—0.0%0.0%

SPY0.0%—99.9%

IVV0.0%99.9%—

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

Income After Fees on $10,000

$358most kept, HDEF

HDEF$367 − $9 = $358

IVV$111 − $3 = $108

SPY$101 − $9 = $92

KeptFee

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