XTL vs SPY

AXTL

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$18,673XTL · SPY $17,099

Lowest cost0.09%SPY · $9 on $10k

Most income1.14%XTL · $114 on $10k

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

Held in common1.9%XTL and SPY

XTL

SPY

State Street SPDR S&P Telecom ETF · $448MState Street SPDR S&P 500 ETF · $805B

+38.3%3 years · per year$26,472 · $18,174+22.0%

+13.3%5 years · per year$18,674 · $17,099+11.3%

0.35%Expense ratio$35 · $9 on $10k · lower wins0.09%

1.14%12-mo yield$114 · $103 on $10k1.03%

−31.1%Worst dropSmaller wins−8.9%

32.4%VolatilityLower wins13.6%

3–3Level

$10,000 · 5 yearsOne scale

Shared top holdingsXTL · SPY

3.2%CSCO0.6%

3.1%VZ0.3%

3.1%ANET0.3%

2.9%T0.2%

Held in common1.9%

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

Both

5Y2 funds

#			Trend
1	AXTL	State Street SPDR S&P Telecom ETFRead Desk		0.35%	1.14%	−7.8%	+11.7%	+16.0%	+38.3%	+13.3%	−31.1%	$448M
2	BSPY	State Street SPDR S&P 500 ETFRead Desk		0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$804.8B

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

Both

5Y2 funds

#			Trend
1	AXTL	State Street SPDR S&P Telecom ETFRead Desk		0.35%	1.14%	−7.8%	+11.7%	+16.0%	+38.3%	+13.3%	−31.1%	$448M
2	BSPY	State Street SPDR S&P 500 ETFRead Desk		0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$804.8B

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

XTL vs SPY

XTL

SPDR S&P Telecom

$18,674

SPY

SPDR S&P 500

$17,099

MeasureXTLSPY

Fee0.35%0.09%

Cost on $10k a year$35$9

Yield1.14%1.03%

5 years, per year+13.3%+11.3%

3 years, per year+38.3%+22.0%

Worst drop · 1Y−31.1%−8.9%

Volatility · 1Y32.4%13.6%

3–3measures won
level

1.9%

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

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$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%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: XTL, SPY

Today

1.9%most shared, XTL and SPY

XTLSPY

XTL—1.9%

SPY1.9%—

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

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

XTL$114 − $35 = $79

KeptFee

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