PFM vs SPY

APFM

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,099SPY · PFM $16,451

Lowest cost0.09%SPY · $9 on $10k

Most income1.31%PFM · $131 on $10k

Smallest drop−7.1%PFM · worst fall in 1Y

Held in common45.7%PFM and SPY

PFM

SPY

Invesco Dividend Achievers ETF · $830MState Street SPDR S&P 500 ETF · $819B

+18.9%3 years · per year$16,806 · $18,174+22.0%

+10.5%5 years · per year$16,451 · $17,099+11.3%

0.52%Expense ratio$52 · $9 on $10k · lower wins0.09%

1.31%12-mo yield$131 · $103 on $10k1.03%

−7.1%Worst dropSmaller wins−8.9%

10.1%VolatilityLower wins13.6%

3–3Level

$10,000 · 5 yearsOne scale

Shared top holdingsPFM · SPY

4.2%AAPL7.7%

4.2%MSFT6.2%

3.4%AVGO2.3%

4.6%LLY1.7%

Held in common45.7%

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

Both

5Y2 funds

#			Trend
1	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
2	APFM	Invesco Dividend Achievers ETFRead Desk		0.52%	1.31%	−3.1%	+13.0%	+15.7%	+18.9%	+10.5%	−7.1%	$830M

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

Both

5Y2 funds

#			Trend
1	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
2	APFM	Invesco Dividend Achievers ETFRead Desk		0.52%	1.31%	−3.1%	+13.0%	+15.7%	+18.9%	+10.5%	−7.1%	$830M

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

PFM vs SPY

PFM

Invesco Dividend Achievers

$16,451

SPY

SPDR S&P 500

$17,099

MeasurePFMSPY

Fee0.52%0.09%

Cost on $10k a year$52$9

Yield1.31%1.03%

5 years, per year+10.5%+11.3%

3 years, per year+18.9%+22.0%

Worst drop · 1Y−7.1%−8.9%

Volatility · 1Y10.1%13.6%

3–3measures won
level

45.7%

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

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: PFM, SPY

Today

45.7%most shared, PFM and SPY

PFMSPY

PFM—45.7%

SPY45.7%—

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

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

PFM$131 − $52 = $79

KeptFee

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