RWLC vs QUAL

ARWLC

BQUAL

Measures won2–3QUAL wins · of 6 · 5Y

$10,000 · 5Y$17,749VOO · QUAL $16,737

Lowest cost0.03%VOO · $3 on $10k

Most income12.77%RWLC · $1,277 on $10k

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

Held in common39.5%RWLC and QUAL

RWLC

QUAL

Rayliant NxtGen Multifactor US Equity ETF · $101MiShares MSCI USA Quality Factor ETF · $48.0B

+26.4%3 years · per year$20,217 · $17,912+21.4%

[…]5 years · per year[…] · $16,737+10.8%

0.32%Expense ratio$32 · $15 on $10k · lower wins0.15%

12.77%12-mo yield$1,277 · $85 on $10k0.85%

−9.3%Worst dropSmaller wins−9.0%

14.7%VolatilityLower wins11.9%

2–3QUAL wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsRWLC · QUAL

9.1%AAPL7.4%

6.1%NVDA5.9%

3.9%MSFT8.0%

2.7%LLY4.5%

Held in common39.5%

End-of-day Nov 3, 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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$1.00T
2	BQUAL	iShares MSCI USA Quality Factor ETFRead Desk	0.15%	0.85%	0.0%	+12.4%	+14.1%	+21.4%	+10.8%	−9.0%	$48.0B
3	ARWLC	Rayliant NxtGen Multifactor US Equity ETFRead Desk	0.32%	12.77%	−0.2%	+15.0%	+16.3%	+26.4%	new	−9.3%	$101M

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

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$1.00T
2	BQUAL	iShares MSCI USA Quality Factor ETFRead Desk	0.15%	0.85%	0.0%	+12.4%	+14.1%	+21.4%	+10.8%	−9.0%	$48.0B
3	ARWLC	Rayliant NxtGen Multifactor US Equity ETFRead Desk	0.32%	12.77%	−0.2%	+15.0%	+16.3%	+26.4%	new	−9.3%	$101M

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

Cards for this view

RWLC vs QUAL

RWLC

Rayliant NxtGen Multifactor US Equity

[…]

QUAL

iShares MSCI USA Quality Factor

$16,737

MeasureRWLCQUAL

Fee0.32%0.15%

Cost on $10k a year$32$15

Yield12.77%0.85%

5 years, per year[…]+10.8%

3 years, per year+26.4%+21.4%

Worst drop · 1Y−9.3%−9.0%

Volatility · 1Y14.7%11.9%

3–2measures won
QUAL first

39.5%

holdings shared

Nov 3, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.5%

SPYSPDR

+11.5%

+11.5%Year to date+11.5%

1.0%Yield1.0%

$185BAssets$798B

0–0level

End-of-day Nov 3, 2026

VOO vs IVV

YTD

VanguardVOO

+11.5%

IVViShares

+11.6%

+11.5%Year to date+11.6%

1.1%Yield1.1%

$1.00TAssets$872B

1–0IVV wins

End-of-day Nov 3, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

Overlap: RWLC, QUAL, VOO

Today

44.3%most shared, RWLC and VOO

RWLCQUALVOO

RWLC—39.5%44.3%

QUAL39.5%—44.3%

VOO44.3%44.3%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$1,245most kept, RWLC

RWLC$1,277 − $32 = $1,245

VOO$107 − $3 = $104

QUAL$85 − $15 = $70

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee