IPAY vs RECS
5Y+11.4%3 years · per year$13,829 · $18,237+22.2%
−4.7%5 years · per year$7,867 · $18,097+12.6%
0.75%Expense ratio$75 · $15 on $10k · lower wins0.15%
0.81%12-mo yield$81 · $102 on $10k1.02%
−22.6%Worst dropSmaller wins−8.8%
24.9%VolatilityLower wins12.6%
0–6RECS wins
$10,000 · 5 yearsAll four, one scale
Shared top holdingsIPAY · RECS
7.0%MA2.8%
1.2%EEFT0.0%
1.0%WU0.0%
Held in common2.9%
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