Compare · 3 funds side by side · dividends reinvested

SPY, SHM and VCIT

Story of the three · Growth3Y$10,000 three years agoDividends reinvested · all three on one scale$18,118SPY · best of the three

02 / 04

SPY, SHM and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B1.9

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.1%+3.3%+1.1%−2.7%1.8%$3.5B2.0

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.1

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: SPY 1993 · SHM 2007 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $778B$17,493

SPY

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,571

$10,000 five years ago, dividends reinvested

SPYMeasureSHM

+11.2%Year to dateJan 1 → Nov 9+1.4%

+13.5%1 yearTotal return+2.1%

+21.9%3 years · per year$10,000 became $18,118 · $11,019+3.3%

+11.8%5 years · per year$10,000 became $17,493 · $10,571+1.1%

0.09%Expense ratio$9 · $20 a year on $10k · lower is better0.20%

1.01%Trailing 12-mo yield$101 · $270 a year on $10k2.70%

−8.9%Worst dropSmaller is better−2.7%

13.7%VolatilityLower is calmer1.8%

SPYSHM Winner of the row, in its colourEach row: the bigger of the two fills its side

5–3SPY wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SPY vs SHM: Top 5 Holdings

Today

SPY

27.8%in top 5

SHM

in top 5[…]

SPYStockSHM

7.9%AAPLnot top 5

7.1%NVDAnot top 5

6.2%MSFTnot top 5

4.0%AMZNnot top 5

2.6%GOOGLnot top 5

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

SPY vs SHM Returns, Every Period

SPDRSPY

+11.8%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

SPYSHMFaded: behind in that period

4–0SPY wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Core vs Bonds: SPY vs VCIT

YTD

SPDRSPY

+11.2%

VCITVanguard

−0.7%

+11.2%Year to date−0.7%

−8.9%Worst drop · 1Y−4.9%

13.7%Volatility · 1Y4.5%

1.0%Yield5.0%

$778BAssets$66.6B

3–1VCIT wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, SHM, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SPY0.09%$9

SHM0.20%$20

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: SPY, SHM, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

SHM2.70%$270

SPY1.01%$101

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SHM$270 − $20 = $250

SPY$101 − $9 = $92

KeptFee

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

Overlap: SPY, SHM, VCIT

Today

[…]holdings […]

SPYSHMVCIT

SPY—[…][…]

SHM[…]—[…]

VCIT[…][…]—

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

Return vs Bumpiness: 3 ETFs

+13.5%SPY, at 13.7% volatility

SHMWorst drop−2.7%1.8% vol

VCITWorst drop−4.9%4.5% vol

SPYWorst drop−8.9%13.7% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

VCITSPY

−0.7%Year to date+11.2%

5.0%Yield1.0%

+0.0%Past year+13.5%

0.03%Fee0.09%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026