RECS vs IPAY

ARECS

BIPAY

Measures won6–0RECS wins · of 6 · 5Y

$10,000 · 5Y$18,097RECS · FTCS $13,941

Lowest cost0.15%RECS · $15 on $10k

Most income1.10%FTCS · $110 on $10k

Smallest drop−8.1%FTCS · worst fall in 1Y

Held in common2.8%RECS and IPAY

RECS

IPAY

Columbia Research Enhanced Core ETF · $6.0BAmplify Digital Payments ETF · $152M

+22.2%3 years · per year$18,237 · $13,832+11.4%

+12.6%5 years · per year$18,097 · $7,868−4.7%

0.15%Expense ratio$15 · $75 on $10k · lower wins0.75%

1.02%12-mo yield$102 · $81 on $10k0.81%

−8.8%Worst dropSmaller wins−22.6%

12.6%VolatilityLower wins24.9%

6–0RECS wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsRECS · IPAY

2.8%MA7.0%

0.0%EEFT1.2%

0.0%WU1.0%

Held in common2.8%

End-of-day Nov 9, 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	ARECS	Columbia Research Enhanced Core ETFRead Desk	0.15%	1.02%	+1.8%	+9.2%	+12.0%	+22.2%	+12.6%	−8.8%	$6.0B
2	FTCS	First Trust Capital Strength ETFRead Desk	0.53%	1.10%	+1.7%	+13.8%	+16.6%	+13.3%	+6.9%	−8.1%	$7.9B
3	BIPAY	Amplify Digital Payments ETFRead Desk	0.75%	0.81%	+0.9%	−2.3%	−2.7%	+11.4%	−4.7%	−22.6%	$152M
4	TCAF	T. Rowe Capital Appreciation Equity ETFRead Desk	0.31%	0.44%	+2.2%	+13.1%	+14.3%	+20.4%	new	−10.8%	$7.9B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	ARECS	Columbia Research Enhanced Core ETFRead Desk	0.15%	1.02%	+1.8%	+9.2%	+12.0%	+22.2%	+12.6%	−8.8%	$6.0B
2	FTCS	First Trust Capital Strength ETFRead Desk	0.53%	1.10%	+1.7%	+13.8%	+16.6%	+13.3%	+6.9%	−8.1%	$7.9B
3	BIPAY	Amplify Digital Payments ETFRead Desk	0.75%	0.81%	+0.9%	−2.3%	−2.7%	+11.4%	−4.7%	−22.6%	$152M
4	TCAF	T. Rowe Capital Appreciation Equity ETFRead Desk	0.31%	0.44%	+2.2%	+13.1%	+14.3%	+20.4%	new	−10.8%	$7.9B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

RECS vs IPAY

RECS

Columbia Research Enhanced Core

$18,097

IPAY

Amplify Digital Payments

$7,868

MeasureRECSIPAY

Fee0.15%0.75%

Cost on $10k a year$15$75

Yield1.02%0.81%

5 years, per year+12.6%−4.7%

3 years, per year+22.2%+11.4%

Worst drop · 1Y−8.8%−22.6%

Volatility · 1Y12.6%24.9%

6–0measures won
RECS first

2.8%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

Overlap: RECS, IPAY, FTCS, TCAF

Today

12.7%most shared, RECS and FTCS

RECSIPAYFTCSTCAF

RECS—2.8%12.7%1.6%

IPAY2.8%—6.1%0.0%

FTCS12.7%6.1%—4.4%

TCAF1.6%0.0%4.4%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$87most kept, RECS

RECS$102 − $15 = $87

FTCS$110 − $53 = $57

TCAF$44 − $31 = $13

IPAY$81 − $75 = $6

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee