XRT vs FDIS

AXRT

BFDIS

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$25,271XLE · FDIS $12,238

Lowest cost0.08%FDIS · $8 on $10k

Most income3.50%VNQ · $350 on $10k

Smallest drop−11.4%VNQ · worst fall in 1Y

Held in common14.1%XRT and FDIS

XRT

FDIS

State Street SPDR S&P Retail ETF · $591MFidelity MSCI Consumer Discretionary Index ETF · $1.6B

+16.8%3 years · per year$15,936 · $15,592+16.0%

+0.8%5 years · per year$10,408 · $12,238+4.1%

0.35%Expense ratio$35 · $8 on $10k · lower wins0.08%

0.80%12-mo yield$80 · $74 on $10k0.74%

−13.5%Worst dropSmaller wins−15.5%

21.5%VolatilityLower wins19.7%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsXRT · FDIS

1.4%TJX2.3%

1.4%AMZN22.3%

1.4%ORLY1.2%

1.4%ROST1.2%

Held in common14.1%

End-of-day Nov 9, 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	XLE	State Street Energy Select Sector SPDR ETFRead Desk	0.08%	2.46%	+0.5%	+41.3%	+44.3%	+15.9%	+20.4%	−15.0%	$40.5B
2	BFDIS	Fidelity MSCI Consumer Discretionary Index ETFRead Desk	0.08%	0.74%	+3.1%	+3.2%	+5.0%	+16.0%	+4.1%	−15.5%	$1.6B
3	VNQ	Vanguard Real Estate ETFRead Desk	0.13%	3.50%	+1.6%	+13.1%	+13.7%	+13.0%	+1.5%	−11.4%	$35.9B
4	AXRT	State Street SPDR S&P Retail ETFRead Desk	0.35%	0.80%	+3.7%	+9.5%	+18.8%	+16.8%	+0.8%	−13.5%	$591M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	XLE	State Street Energy Select Sector SPDR ETFRead Desk	0.08%	2.46%	+0.5%	+41.3%	+44.3%	+15.9%	+20.4%	−15.0%	$40.5B
2	BFDIS	Fidelity MSCI Consumer Discretionary Index ETFRead Desk	0.08%	0.74%	+3.1%	+3.2%	+5.0%	+16.0%	+4.1%	−15.5%	$1.6B
3	VNQ	Vanguard Real Estate ETFRead Desk	0.13%	3.50%	+1.6%	+13.1%	+13.7%	+13.0%	+1.5%	−11.4%	$35.9B
4	AXRT	State Street SPDR S&P Retail ETFRead Desk	0.35%	0.80%	+3.7%	+9.5%	+18.8%	+16.8%	+0.8%	−13.5%	$591M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

XRT vs FDIS

XRT

SPDR S&P Retail

$10,408

FDIS

Fidelity MSCI Consumer Discretionary Index

$12,238

MeasureXRTFDIS

Fee0.35%0.08%

Cost on $10k a year$35$8

Yield0.80%0.74%

5 years, per year+0.8%+4.1%

3 years, per year+16.8%+16.0%

Worst drop · 1Y−13.5%−15.5%

Volatility · 1Y21.5%19.7%

3–3measures won
level

14.1%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

XLE vs VDE

YTD

SPDRXLE

+41.3%

VDEVanguard

+39.4%

+41.3%Year to date+39.4%

2.5%Yield2.4%

$40.5BAssets$10.4B

2–0XLE wins

End-of-day Nov 9, 2026

VNQ vs SCHH

YTD

VanguardVNQ

+13.1%

SCHHSchwab

+16.5%

+13.1%Year to date+16.5%

3.5%Yield2.8%

$35.9BAssets$11.2B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: XRT, FDIS, XLE, VNQ

Today

14.1%most shared, XRT and FDIS

XRTFDISXLEVNQ

XRT—14.1%0.0%0.0%

FDIS14.1%—0.0%0.0%

XLE0.0%0.0%—0.0%

VNQ0.0%0.0%0.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$337most kept, VNQ

VNQ$350 − $13 = $337

XLE$246 − $8 = $238

FDIS$74 − $8 = $66

XRT$80 − $35 = $45

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee