RILA vs IVV

ARILA

BIVV

Measures won0–4IVV wins · of 6 · 5Y

$10,000 · 5Y$17,545IVV · SPY $17,493

Lowest cost0.03%IVV · $3 on $10k

Most income1.11%IVV · $111 on $10k

Smallest drop−8.9%SPY · worst fall in 1Y

Held in common28.8%RILA and IVV

RILA

IVV

Indexperts Gorilla Aggressive Growth ETF · $43MiShares Core S&P 500 ETF · $875B

[…]3 years · per year[…] · $18,159+22.0%

[…]5 years · per year[…] · $17,545+11.9%

0.50%Expense ratio$50 · $3 on $10k · lower wins0.03%

0.12%12-mo yield$12 · $111 on $10k1.11%

−14.9%Worst dropSmaller wins−8.9%

17.9%VolatilityLower wins13.8%

0–4IVV wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsRILA · IVV

4.5%NVDA7.1%

3.8%AMZN4.0%

3.9%AVGO2.2%

1.8%META2.1%

Held in common28.8%

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 Three

5Y3 funds

#
1	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	ARILA	Indexperts Gorilla Aggressive Growth ETFRead Desk	0.50%	0.12%	+3.5%	+5.2%	+4.4%	new	new	−14.9%	$43M

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

All Three

5Y3 funds

#
1	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	ARILA	Indexperts Gorilla Aggressive Growth ETFRead Desk	0.50%	0.12%	+3.5%	+5.2%	+4.4%	new	new	−14.9%	$43M

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

RILA vs IVV

RILA

Indexperts Gorilla Aggressive Growth

[…]

IVV

iShares Core S&P 500

$17,545

MeasureRILAIVV

Fee0.50%0.03%

Cost on $10k a year$50$3

Yield0.12%1.11%

5 years, per year[…]+11.9%

3 years, per year[…]+22.0%

Worst drop · 1Y−14.9%−8.9%

Volatility · 1Y17.9%13.8%

4–0measures won
IVV first

28.8%

holdings shared

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

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

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

End-of-day Nov 9, 2026

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

Overlap: RILA, IVV, SPY

Today

99.9%most shared, IVV and SPY

RILAIVVSPY

RILA—28.8%28.8%

IVV28.8%—99.9%

SPY28.8%99.9%—

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

Income After Fees on $10,000

$108most kept, IVV

IVV$111 − $3 = $108

SPY$101 − $9 = $92

RILA$12 − $50 = −$38

KeptFee

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