XRT vs FDIS

AXRT

BFDIS

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$15,134XLV · FDIS $12,115

Lowest cost0.08%FDIS · $8 on $10k

Most income1.38%XLV · $138 on $10k

Smallest drop−10.5%XLV · worst fall in 1Y

Held in common14.0%XRT and FDIS

XRT

FDIS

State Street SPDR S&P Retail ETF · $571MFidelity MSCI Consumer Discretionary Index ETF · $1.6B

+17.2%3 years · per year$16,079 · $15,748+16.3%

+1.0%5 years · per year$10,527 · $12,115+3.9%

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

0.82%12-mo yield$82 · $76 on $10k0.76%

−13.5%Worst dropSmaller wins−15.5%

21.4%VolatilityLower wins19.7%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsXRT · FDIS

1.5%TJX2.3%

1.3%AMZN22.0%

1.4%ROST1.2%

1.4%ORLY1.2%

Held in common14.0%

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 Three

5Y3 funds

#
1	XLV	State Street Health Care Select Sector SPDR ETFRead Desk	0.08%	1.38%	−2.5%	+20.9%	+29.6%	+16.0%	+8.6%	−10.5%	$50.9B
2	BFDIS	Fidelity MSCI Consumer Discretionary Index ETFRead Desk	0.08%	0.76%	−3.9%	+0.3%	+0.9%	+16.3%	+3.9%	−15.5%	$1.6B
3	AXRT	State Street SPDR S&P Retail ETFRead Desk	0.35%	0.82%	−2.8%	+7.5%	+15.0%	+17.2%	+1.0%	−13.5%	$571M

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

All Three

5Y3 funds

#
1	XLV	State Street Health Care Select Sector SPDR ETFRead Desk	0.08%	1.38%	−2.5%	+20.9%	+29.6%	+16.0%	+8.6%	−10.5%	$50.9B
2	BFDIS	Fidelity MSCI Consumer Discretionary Index ETFRead Desk	0.08%	0.76%	−3.9%	+0.3%	+0.9%	+16.3%	+3.9%	−15.5%	$1.6B
3	AXRT	State Street SPDR S&P Retail ETFRead Desk	0.35%	0.82%	−2.8%	+7.5%	+15.0%	+17.2%	+1.0%	−13.5%	$571M

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

XRT vs FDIS

XRT

SPDR S&P Retail

$10,527

FDIS

Fidelity MSCI Consumer Discretionary Index

$12,115

MeasureXRTFDIS

Fee0.35%0.08%

Cost on $10k a year$35$8

Yield0.82%0.76%

5 years, per year+1.0%+3.9%

3 years, per year+17.2%+16.3%

Worst drop · 1Y−13.5%−15.5%

Volatility · 1Y21.4%19.7%

3–2measures won
FDIS first

14.0%

holdings shared

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

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

Overlap: XRT, FDIS, XLV

Today

14.0%most shared, XRT and FDIS

XRTFDISXLV

XRT—14.0%0.0%

FDIS14.0%—0.0%

XLV0.0%0.0%—

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

Income After Fees on $10,000

$130most kept, XLV

XLV$138 − $8 = $130

FDIS$76 − $8 = $68

XRT$82 − $35 = $47

KeptFee

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