Compare · 4 funds side by side · dividends reinvested

CLOO, VCSH, VCIT and SGOV

CLOONY Life Investments×VCSHVanguard×VCITVanguard×SGOViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,090SGOV · best of the four

02 / 04

CLOO, VCSH, VCIT and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.8

Vanguard Short-Term Corporate Bond ETFBonds & Cash · Corporate0.03%4.54%+1.3%+2.3%+5.6%+2.6%−1.6%2.1%$43.9B1.9

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.3

NYLI Investment Grade CLO ETFBonds & Cash · Corporate0.25%2.22%[…][…][…][…][…][…]$48M4.0

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: CLOO 2026 · VCSH 2009 · VCIT 2009 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

NYLI Investment Grade CLO ETF · $48M[…]

CLOO

VCSH

Vanguard Short-Term Corporate Bond ETF · $43.9B$11,371

$10,000 five years ago, dividends reinvested

CLOOMeasureVCSH

[…]Year to dateJan 1 → Nov 6+1.3%

[…]1 yearTotal return+2.3%

[…]3 years · per year$10,000 became […] · $11,777+5.6%

[…]5 years · per year$10,000 became […] · $11,371+2.6%

0.25%Expense ratio$25 · $3 a year on $10k · lower is better0.03%

2.22%Trailing 12-mo yield$222 · $454 a year on $10k4.54%

[…]Worst dropSmaller is better−1.6%

[…]VolatilityLower is calmer2.1%

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

0–2VCSH wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

CLOO vs VCSH: Top 5 Holdings

Today

CLOO

0.3%in top 5

VCSH

in top 5[…]

CLOOStockVCSH

0.3%CASHnot top 5

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

CLOO vs VCSH Returns, Every Period

NY Life InvestmentsCLOO

[…]

past year

VCSHVanguard

+2.3%

past year

Returns […]

CLOOVCSHFaded: behind in that period

0–0Level

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

CLOO vs VCIT

YTD

NY Life InvestmentsCLOO

[…]

VCITVanguard

−0.8%

[…]Year to date−0.8%

[…]Worst drop · 1Y−4.9%

[…]Volatility · 1Y4.5%

2.2%Yield5.0%

$47.7MAssets$66.6B

1–0VCIT wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: CLOO, VCSH, VCIT, SGOV

Today

0.03%lowest, VCSH

FundExpense ratioFee$10k

VCSH0.03%$3

VCIT0.03%$3

SGOV0.09%$9

CLOO0.25%$25

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: CLOO, VCSH, VCIT, SGOV

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

VCSH4.54%$454

SGOV3.63%$363

CLOO2.22%$222

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

VCSH$454 − $3 = $451

SGOV$363 − $9 = $354

CLOO$222 − $25 = $197

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: CLOO, VCSH, VCIT, SGOV

Today

[…]holdings […]

CLOOVCSHVCITSGOV

CLOO—[…][…][…]

VCSH[…]—[…][…]

VCIT[…][…]—[…]

SGOV[…][…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

VCSHWorst drop−1.6%2.1% vol

VCITWorst drop−4.9%4.5% vol

CLOOWorst drop[…][…]

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VCITSGOV

−0.8%Year to date+3.2%

5.0%Yield3.6%

+0.4%Past year+3.8%

0.03%Fee0.09%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026