XTL vs IVV

AXTL

BIVV

Measures won2–4IVV wins · of 6 · 5Y

$10,000 · 5Y$19,659XTL · IVV $17,545

Lowest cost0.03%IVV · $3 on $10k

Most income1.11%IVV · $111 on $10k

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

Held in common1.9%XTL and IVV

XTL

IVV

State Street SPDR S&P Telecom ETF · $382MiShares Core S&P 500 ETF · $875B

+42.1%3 years · per year$28,714 · $18,159+22.0%

+14.5%5 years · per year$19,659 · $17,545+11.9%

0.35%Expense ratio$35 · $3 on $10k · lower wins0.03%

1.04%12-mo yield$104 · $111 on $10k1.11%

−31.1%Worst dropSmaller wins−8.9%

32.7%VolatilityLower wins13.8%

2–4IVV wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsXTL · IVV

3.1%CSCO0.6%

3.3%VZ0.3%

3.2%ANET0.3%

3.1%T0.2%

Held in common1.9%

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 Three

5Y3 funds

#
1	AXTL	State Street SPDR S&P Telecom ETFRead Desk	0.35%	1.04%	+5.4%	+21.8%	+28.1%	+42.1%	+14.5%	−31.1%	$382M
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
3	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B

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

All Three

5Y3 funds

#
1	AXTL	State Street SPDR S&P Telecom ETFRead Desk	0.35%	1.04%	+5.4%	+21.8%	+28.1%	+42.1%	+14.5%	−31.1%	$382M
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
3	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B

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

XTL vs IVV

XTL

SPDR S&P Telecom

$19,659

IVV

iShares Core S&P 500

$17,545

MeasureXTLIVV

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield1.04%1.11%

5 years, per year+14.5%+11.9%

3 years, per year+42.1%+22.0%

Worst drop · 1Y−31.1%−8.9%

Volatility · 1Y32.7%13.8%

4–2measures won
IVV first

1.9%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

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%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: XTL, IVV, SPY

Today

99.9%most shared, IVV and SPY

XTLIVVSPY

XTL—1.9%1.9%

IVV1.9%—99.9%

SPY1.9%99.9%—

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

Income After Fees on $10,000

$108most kept, IVV

IVV$111 − $3 = $108

SPY$101 − $9 = $92

XTL$104 − $35 = $69

KeptFee

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