IPOS vs SPY

AIPOS

BSPY

Measures won0–6SPY wins · of 6 · 5Y

$10,000 · 5Y$17,118SPY · VT $15,649

Lowest cost0.03%VEA · $3 on $10k

Most income2.51%VEA · $251 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

+12.0%3 years · per year$14,037 · $18,039+21.7%

−9.3%5 years · per year$6,132 · $17,118+11.3%

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

0.83%12-mo yield$83 · $103 on $10k1.03%

−33.2%Worst dropSmaller wins−8.9%

35.7%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 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	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
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.59%	+0.2%	+8.5%	+10.4%	+20.7%	+9.4%	−9.7%	$81.8B
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	AIPOS	Renaissance International IPO ETFRead Desk	0.80%	0.83%	−1.8%	+3.7%	+1.7%	+12.0%	−9.3%	−33.2%	$9M

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	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
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.59%	+0.2%	+8.5%	+10.4%	+20.7%	+9.4%	−9.7%	$81.8B
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	AIPOS	Renaissance International IPO ETFRead Desk	0.80%	0.83%	−1.8%	+3.7%	+1.7%	+12.0%	−9.3%	−33.2%	$9M

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

IPOS vs SPY

IPOS

Renaissance International IPO

$6,132

SPY

SPDR S&P 500

$17,118

MeasureIPOSSPY

Fee0.80%0.09%

Cost on $10k a year$80$9

Yield0.83%1.03%

5 years, per year−9.3%+11.3%

3 years, per year+12.0%+21.7%

Worst drop · 1Y−33.2%−8.9%

Volatility · 1Y35.7%13.6%

6–0measures won
SPY first

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

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

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: IPOS, SPY, VT, VEA

Today

55.1%most shared, SPY and VT

IPOSSPYVTVEA

IPOS—0.0%0.0%0.0%

SPY0.0%—55.1%0.0%

VT0.0%55.1%—23.3%

VEA0.0%0.0%23.3%—

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

Income After Fees on $10,000

$248most kept, VEA

VEA$251 − $3 = $248

VT$159 − $6 = $153

SPY$103 − $9 = $94

IPOS$83 − $80 = $3

KeptFee

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