USCL vs DFAC

AUSCL

BDFAC

Measures won2–3DFAC wins · of 6 · 5Y

$10,000 · 5Y$17,156VOO · DFAC $16,526

Lowest cost0.03%VOO · $3 on $10k

Most income1.10%VOO · $110 on $10k

Smallest drop−8.5%DFAC · worst fall in 1Y

Held in common61.0%USCL and DFAC

USCL

DFAC

iShares Climate Conscious & Transition MSCI USA ETF · $2.7BDimensional - US Core Equity 2 ETF · $89.2B

+20.3%3 years · per year$17,426 · $17,812+21.2%

[…]5 years · per year[…] · $16,526+10.6%

0.08%Expense ratio$8 · $21 on $10k · lower wins0.21%

1.09%12-mo yield$109 · $90 on $10k0.90%

−10.3%Worst dropSmaller wins−8.5%

13.9%VolatilityLower wins12.9%

2–3DFAC wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsUSCL · DFAC

9.5%AAPL5.8%

8.5%NVDA5.1%

7.2%MSFT5.0%

4.8%AMZN2.7%

Held in common61.0%

End-of-day Nov 5, 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%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.90%	−4.0%	+11.2%	+14.3%	+21.2%	+10.6%	−8.5%	$89.2B
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
4	AUSCL	iShares Climate Conscious & Transition MSCI USA ETFRead Desk	0.08%	1.09%	−4.3%	+5.0%	+5.7%	+20.3%	new	−10.3%	$2.7B

End-of-day Nov 5, 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%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.90%	−4.0%	+11.2%	+14.3%	+21.2%	+10.6%	−8.5%	$89.2B
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
4	AUSCL	iShares Climate Conscious & Transition MSCI USA ETFRead Desk	0.08%	1.09%	−4.3%	+5.0%	+5.7%	+20.3%	new	−10.3%	$2.7B

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

Cards for this view

USCL vs DFAC

USCL

iShares Climate Conscious & Transition MSCI USA

[…]

DFAC

Dimensional - US Core Equity 2

$16,526

MeasureUSCLDFAC

Fee0.08%0.21%

Cost on $10k a year$8$21

Yield1.09%0.90%

5 years, per year[…]+10.6%

3 years, per year+20.3%+21.2%

Worst drop · 1Y−10.3%−8.5%

Volatility · 1Y13.9%12.9%

3–2measures won
DFAC first

61.0%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$62.5B

1–1level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026

Overlap: USCL, DFAC, VOO, VUG

Today

83.7%most shared, USCL and VOO

USCLDFACVOOVUG

USCL—61.0%83.7%61.1%

DFAC61.0%—67.8%36.2%

VOO83.7%67.8%—58.2%

VUG61.1%36.2%58.2%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$107most kept, VOO

VOO$110 − $3 = $107

USCL$109 − $8 = $101

DFAC$90 − $21 = $69

VUG$43 − $3 = $40

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee