RWLC vs SPY

ARWLC

BSPY

Measures won2–3SPY wins · of 6 · 5Y

$10,000 · 5Y$17,177IVV · SPY $17,118

Lowest cost0.03%IVV · $3 on $10k

Most income13.11%RWLC · $1,311 on $10k

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

Held in common43.6%RWLC and SPY

RWLC

SPY

Rayliant NxtGen Multifactor US Equity ETF · $101MState Street SPDR S&P 500 ETF · $778B

+24.3%3 years · per year$19,220 · $18,039+21.7%

[…]5 years · per year[…] · $17,118+11.3%

0.32%Expense ratio$32 · $9 on $10k · lower wins0.09%

13.11%12-mo yield$1,311 · $103 on $10k1.03%

−9.3%Worst dropSmaller wins−8.9%

15.3%VolatilityLower wins13.6%

2–3SPY wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsRWLC · SPY

9.8%AAPL7.9%

5.5%NVDA6.9%

4.2%MSFT6.3%

2.9%GOOGL2.6%

Held in common43.6%

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%	$852.9B
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%	$777.7B
3	ARWLC	Rayliant NxtGen Multifactor US Equity ETFRead Desk	0.32%	13.11%	+0.2%	+12.0%	+14.1%	+24.3%	new	−9.3%	$101M

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%	$852.9B
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%	$777.7B
3	ARWLC	Rayliant NxtGen Multifactor US Equity ETFRead Desk	0.32%	13.11%	+0.2%	+12.0%	+14.1%	+24.3%	new	−9.3%	$101M

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

RWLC vs SPY

RWLC

Rayliant NxtGen Multifactor US Equity

[…]

SPY

SPDR S&P 500

$17,118

MeasureRWLCSPY

Fee0.32%0.09%

Cost on $10k a year$32$9

Yield13.11%1.03%

5 years, per year[…]+11.3%

3 years, per year+24.3%+21.7%

Worst drop · 1Y−9.3%−8.9%

Volatility · 1Y15.3%13.6%

3–2measures won
SPY first

43.6%

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%

$178BAssets$778B

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$853B

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: RWLC, SPY, IVV

Today

99.9%most shared, SPY and IVV

RWLCSPYIVV

RWLC—43.6%43.7%

SPY43.6%—99.9%

IVV43.7%99.9%—

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

Income After Fees on $10,000

$1,279most kept, RWLC

RWLC$1,311 − $32 = $1,279

IVV$114 − $3 = $111

SPY$103 − $9 = $94

KeptFee

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