VCR vs FDIS

AVCR

BFDIS

Measures won1–5FDIS wins · of 6 · 5Y

$10,000 · 5Y$15,474XLF · FDIS $12,079

Lowest cost0.08%FDIS · $8 on $10k

Most income1.44%XLF · $144 on $10k

Smallest drop−14.8%XLF · worst fall in 1Y

Held in common92.5%VCR and FDIS

VCR

FDIS

Vanguard Consumer Discretionary ETF · $5.6BFidelity MSCI Consumer Discretionary Index ETF · $1.6B

+15.7%3 years · per year$15,501 · $15,537+15.8%

+3.8%5 years · per year$12,046 · $12,079+3.9%

0.09%Expense ratio$9 · $8 on $10k · lower wins0.08%

0.77%12-mo yield$77 · $76 on $10k0.76%

−15.6%Worst dropSmaller wins−15.5%

19.8%VolatilityLower wins19.7%

1–5FDIS wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVCR · FDIS

23.0%AMZN22.4%

15.9%TSLA14.4%

4.5%HD5.2%

2.6%MCD3.0%

Held in common92.5%

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	XLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.4%	+22.5%	+9.1%	−14.8%	$55.5B
2	BFDIS	Fidelity MSCI Consumer Discretionary Index ETFRead Desk	0.08%	0.76%	−0.2%	+0.1%	−0.6%	+15.8%	+3.9%	−15.5%	$1.6B
3	AVCR	Vanguard Consumer Discretionary ETFRead Desk	0.09%	0.77%	−0.1%	−0.1%	−0.8%	+15.7%	+3.8%	−15.6%	$5.6B

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	XLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.4%	+22.5%	+9.1%	−14.8%	$55.5B
2	BFDIS	Fidelity MSCI Consumer Discretionary Index ETFRead Desk	0.08%	0.76%	−0.2%	+0.1%	−0.6%	+15.8%	+3.9%	−15.5%	$1.6B
3	AVCR	Vanguard Consumer Discretionary ETFRead Desk	0.09%	0.77%	−0.1%	−0.1%	−0.8%	+15.7%	+3.8%	−15.6%	$5.6B

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

VCR vs FDIS

VCR

Vanguard Consumer Discretionary

$12,046

FDIS

Fidelity MSCI Consumer Discretionary Index

$12,079

MeasureVCRFDIS

Fee0.09%0.08%

Cost on $10k a year$9$8

Yield0.77%0.76%

5 years, per year+3.8%+3.9%

3 years, per year+15.7%+15.8%

Worst drop · 1Y−15.6%−15.5%

Volatility · 1Y19.8%19.7%

5–0measures won
FDIS first

92.5%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

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

Overlap: VCR, FDIS, XLF

Today

92.5%most shared, VCR and FDIS

VCRFDISXLF

VCR—92.5%0.0%

FDIS92.5%—0.0%

XLF0.0%0.0%—

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

FDIS$76 − $8 = $68

VCR$77 − $9 = $68

KeptFee

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