OCIO vs SPY

AOCIO

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,177IVV · SPY $17,118

Lowest cost0.03%IVV · $3 on $10k

Most income9.78%OCIO · $978 on $10k

Smallest drop−7.0%OCIO · worst fall in 1Y

Held in common7.0%OCIO and SPY

OCIO

SPY

ClearShares OCIO ETF · $169MState Street SPDR S&P 500 ETF · $819B

+12.8%3 years · per year$14,350 · $18,039+21.7%

+5.9%5 years · per year$13,296 · $17,118+11.3%

0.66%Expense ratio$66 · $9 on $10k · lower wins0.09%

9.78%12-mo yield$978 · $103 on $10k1.03%

−7.0%Worst dropSmaller wins−8.9%

12.2%VolatilityLower wins13.6%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsOCIO · SPY

1.2%NVDA6.9%

1.2%AAPL7.9%

1.1%MSFT6.3%

0.4%AMZN4.0%

Held in common7.0%

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 Three

5Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$850.0B
2	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
3	AOCIO	ClearShares OCIO ETFRead Desk	0.66%	9.78%	+0.3%	+4.4%	+5.4%	+12.8%	+5.9%	−7.0%	$169M

End-of-day Nov 6, 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%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$850.0B
2	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
3	AOCIO	ClearShares OCIO ETFRead Desk	0.66%	9.78%	+0.3%	+4.4%	+5.4%	+12.8%	+5.9%	−7.0%	$169M

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

OCIO vs SPY

OCIO

ClearShares OCIO

$13,296

SPY

SPDR S&P 500

$17,118

MeasureOCIOSPY

Fee0.66%0.09%

Cost on $10k a year$66$9

Yield9.78%1.03%

5 years, per year+5.9%+11.3%

3 years, per year+12.8%+21.7%

Worst drop · 1Y−7.0%−8.9%

Volatility · 1Y12.2%13.6%

3–3measures won
level

7.0%

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

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

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: OCIO, SPY, IVV

Today

99.9%most shared, SPY and IVV

OCIOSPYIVV

OCIO—7.0%7.0%

SPY7.0%—99.9%

IVV7.0%99.9%—

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

Income After Fees on $10,000

$912most kept, OCIO

OCIO$978 − $66 = $912

IVV$114 − $3 = $111

SPY$103 − $9 = $94

KeptFee

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