LEMB vs SPY

ALEMB

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,118IVV · SPY $18,060

Lowest cost0.03%IVV · $3 on $10k

Most income2.40%LEMB · $240 on $10k

Smallest drop−6.0%LEMB · worst fall in 1Y

Held in common[…]LEMB and SPY

LEMB

SPY

iShares J.P. Morgan EM Local Currency Bond ETF · $775MState Street SPDR S&P 500 ETF · $805B

+8.4%3 years · per year$12,737 · $19,132+24.1%

+1.8%5 years · per year$10,937 · $18,060+12.6%

0.30%Expense ratio$30 · $9 on $10k · lower wins0.09%

2.40%12-mo yield$240 · $99 on $10k0.99%

−6.0%Worst dropSmaller wins−8.9%

6.6%VolatilityLower wins12.9%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsLEMB · SPY

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

Held in common[…]

End-of-day Nov 4, 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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.09%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$886.8B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$804.8B
3	ALEMB	iShares J.P. Morgan EM Local Currency Bond ETFRead Desk	0.30%	2.40%	+0.7%	+1.7%	+4.5%	+8.4%	+1.8%	−6.0%	$775M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.09%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$886.8B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$804.8B
3	ALEMB	iShares J.P. Morgan EM Local Currency Bond ETFRead Desk	0.30%	2.40%	+0.7%	+1.7%	+4.5%	+8.4%	+1.8%	−6.0%	$775M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

LEMB vs SPY

LEMB

iShares J.P. Morgan EM Local Currency Bond

$10,937

SPY

SPDR S&P 500

$18,060

MeasureLEMBSPY

Fee0.30%0.09%

Cost on $10k a year$30$9

Yield2.40%0.99%

5 years, per year+1.8%+12.6%

3 years, per year+8.4%+24.1%

Worst drop · 1Y−6.0%−8.9%

Volatility · 1Y6.6%12.9%

3–3measures won
level

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: LEMB, SPY, IVV

Today

99.9%most shared, SPY and IVV

LEMBSPYIVV

LEMB—[…][…]

SPY[…]—99.9%

IVV[…]99.9%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$210most kept, LEMB

LEMB$240 − $30 = $210

IVV$109 − $3 = $106

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee