TIME vs IVV

ATIME

BIVV

Measures won1–4IVV wins · of 6 · 5Y

$10,000 · 5Y$17,177IVV · SPY $17,118

Lowest cost0.03%IVV · $3 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common51.9%TIME and IVV

TIME

IVV

Clockwise U.S. Core Equity ETF · $15MiShares Core S&P 500 ETF · $853B

+22.6%3 years · per year$18,446 · $18,084+21.8%

[…]5 years · per year[…] · $17,177+11.4%

1.02%Expense ratio$102 · $3 on $10k · lower wins0.03%

0.72%12-mo yield$72 · $114 on $10k1.14%

−13.1%Worst dropSmaller wins−8.9%

14.9%VolatilityLower wins13.6%

1–4IVV wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsTIME · IVV

8.4%AAPL7.9%

9.9%NVDA6.9%

9.0%MSFT6.3%

5.4%AMZN4.0%

Held in common51.9%

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	BIVV	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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	ATIME	Clockwise U.S. Core Equity ETFRead Desk	1.02%	0.72%	+0.4%	+4.5%	+5.3%	+22.6%	new	−13.1%	$15M

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	BIVV	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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	ATIME	Clockwise U.S. Core Equity ETFRead Desk	1.02%	0.72%	+0.4%	+4.5%	+5.3%	+22.6%	new	−13.1%	$15M

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

TIME vs IVV

TIME

Clockwise U.S. Core Equity

[…]

IVV

iShares Core S&P 500

$17,177

MeasureTIMEIVV

Fee1.02%0.03%

Cost on $10k a year$102$3

Yield0.72%1.14%

5 years, per year[…]+11.4%

3 years, per year+22.6%+21.8%

Worst drop · 1Y−13.1%−8.9%

Volatility · 1Y14.9%13.6%

4–1measures won
IVV first

51.9%

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%

$182BAssets$819B

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: TIME, IVV, SPY

Today

99.9%most shared, IVV and SPY

TIMEIVVSPY

TIME—51.9%51.9%

IVV51.9%—99.9%

SPY51.9%99.9%—

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

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

SPY$103 − $9 = $94

TIME$72 − $102 = −$30

KeptFee

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