RWLC vs SPYM

ARWLC

BSPYM

Measures won2–3SPYM wins · of 6 · 5Y

$10,000 · 5Y$17,749VOO · SPYM $17,749

Lowest cost0.02%SPYM · $2 on $10k

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

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

Held in common44.0%RWLC and SPYM

RWLC

SPYM

Rayliant NxtGen Multifactor US Equity ETF · $101MState Street SPDR Portfolio S&P 500 ETF · $185B

+26.4%3 years · per year$20,217 · $19,092+24.1%

[…]5 years · per year[…] · $17,749+12.2%

0.32%Expense ratio$32 · $2 on $10k · lower wins0.02%

12.77%12-mo yield$1,277 · $103 on $10k1.03%

−9.3%Worst dropSmaller wins−8.9%

14.7%VolatilityLower wins12.7%

2–3SPYM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsRWLC · SPYM

9.1%AAPL7.7%

6.1%NVDA7.8%

3.9%MSFT5.9%

2.8%GOOGL2.5%

Held in common44.0%

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 Four

5Y4 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	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$185.3B
3	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+0.3%	+11.5%	+11.8%	+24.0%	+12.1%	−8.9%	$798.0B
4	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 Four

5Y4 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	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$185.3B
3	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+0.3%	+11.5%	+11.8%	+24.0%	+12.1%	−8.9%	$798.0B
4	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 SPYM

RWLC

Rayliant NxtGen Multifactor US Equity

[…]

SPYM

SPDR Portfolio S&P 500

$17,749

MeasureRWLCSPYM

Fee0.32%0.02%

Cost on $10k a year$32$2

Yield12.77%1.03%

5 years, per year[…]+12.2%

3 years, per year+26.4%+24.1%

Worst drop · 1Y−9.3%−8.9%

Volatility · 1Y14.7%12.7%

3–2measures won
SPYM first

44.0%

holdings shared

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.5%

JEPIJ.P. Morgan

+7.0%

+7.5%Year to date+7.0%

12.3%Yield8.0%

$41.8BAssets$46.0B

2–0JEPQ wins

End-of-day Nov 3, 2026

Overlap: RWLC, SPYM, SPY, VOO

Today

99.9%most shared, SPYM and SPY

RWLCSPYMSPYVOO

RWLC—44.0%44.0%44.3%

SPYM44.0%—99.9%95.5%

SPY44.0%99.9%—95.5%

VOO44.3%95.5%95.5%—

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

SPYM$103 − $2 = $101

SPY$101 − $9 = $92

KeptFee

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