IPOS vs SPY

AIPOS

BSPY

Measures won0–6SPY wins · of 6 · 5Y

$10,000 · 5Y$17,156VOO · SPY $17,099

Lowest cost0.03%VEA · $3 on $10k

Most income2.50%VEA · $250 on $10k

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

Held in common0.0%IPOS and SPY

IPOS

SPY

Renaissance International IPO ETF · $9MState Street SPDR S&P 500 ETF · $819B

+12.6%3 years · per year$14,283 · $18,174+22.0%

−9.2%5 years · per year$6,155 · $17,099+11.3%

0.80%Expense ratio$80 · $9 on $10k · lower wins0.09%

0.81%12-mo yield$81 · $103 on $10k1.03%

−32.0%Worst dropSmaller wins−8.9%

35.6%VolatilityLower wins13.6%

0–6SPY wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIPOS · SPY

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

Held in common0.0%

End-of-day Nov 5, 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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B
4	AIPOS	Renaissance International IPO ETFRead Desk	0.80%	0.81%	−4.9%	+5.6%	+4.2%	+12.6%	−9.2%	−32.0%	$9M

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

All Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B
4	AIPOS	Renaissance International IPO ETFRead Desk	0.80%	0.81%	−4.9%	+5.6%	+4.2%	+12.6%	−9.2%	−32.0%	$9M

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

Cards for this view

IPOS vs SPY

IPOS

Renaissance International IPO

$6,155

SPY

SPDR S&P 500

$17,099

MeasureIPOSSPY

Fee0.80%0.09%

Cost on $10k a year$80$9

Yield0.81%1.03%

5 years, per year−9.2%+11.3%

3 years, per year+12.6%+22.0%

Worst drop · 1Y−32.0%−8.9%

Volatility · 1Y35.6%13.6%

6–0measures won
SPY first

0.0%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

VEA vs IEFA

YTD

VanguardVEA

+10.2%

IEFAiShares

+8.5%

+10.2%Year to date+8.5%

2.5%Yield3.4%

$232BAssets$189B

1–1level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 5, 2026

Overlap: IPOS, SPY, VEA, VOO

Today

93.5%most shared, SPY and VOO

IPOSSPYVEAVOO

IPOS—0.0%0.0%0.0%

SPY0.0%—0.0%93.5%

VEA0.0%0.0%—0.0%

VOO0.0%93.5%0.0%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$247most kept, VEA

VEA$250 − $3 = $247

VOO$110 − $3 = $107

SPY$103 − $9 = $94

IPOS$81 − $80 = $1

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee