Compare · 3 funds side by side · dividends reinvested

GCAL, IUSB and VCIT

GCALGoldman Sachs×IUSBiShares×VCITVanguard×

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$10,415VCIT · best of the three

Story of the three · IncomeMost incomeVCIT · 5.05% · $505 a year on $10k

Story of the three · RiskSmallest drop

GCAL, IUSB and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core Universal USD Bond ETFBonds & Cash · Core aggregate0.06%4.36%−0.5%−0.2%+5.0%+0.1%−4.3%3.9%$50.3B1.9

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.05%−1.4%−0.6%+6.2%+0.8%−4.9%4.5%$66.6B1.9

Goldman Sachs Dynamic California Municipal Income ETFBonds & Cash · Municipal0.35%3.57%+1.5%+2.1%[…][…]−5.4%3.3%$263M2.0

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

End-of-day Nov 10, 2026 · returns include dividends · since: GCAL 2024 · IUSB 2014 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Goldman Sachs Dynamic California Municipal Income ETF · $263M[…]

GCAL

IUSB

iShares Core Universal USD Bond ETF · $50.3B$10,070

$10,000 five years ago, dividends reinvested

GCAL

More Ways to See the Pairs

GCAL vs IUSB: Top 5 Holdings

Today

GCAL

3.9%in top 5

IUSB

in top 5[…]

GCALStockIUSB

3.9%FTIXXnot top 5

Held in common[…]

End-of-day Nov 10, 2026 · share of each fund

GCAL vs IUSB Returns, Every Period

1Y

Cost, Income and Risk

Fees: GCAL, IUSB, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

IUSB0.06%$6

GCAL0.35%$35

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

Yields: GCAL, IUSB, VCIT

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

+33.8%Year to date+15.1%

2.9%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.0%

JEPIJ.P. Morgan

+7.6%

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

Measure

IUSB

+1.5%Year to dateJan 1 → Nov 10−0.5%

+2.1%1 yearTotal return−0.2%

[…]3 years · per year$10,000 became […] · $11,560+5.0%

[…]5 years · per year$10,000 became […] · $10,070+0.1%

0.35%Expense ratio$35 · $6 a year on $10k · lower is better0.06%

3.57%Trailing 12-mo yield$357 · $436 a year on $10k4.36%

−5.4%Worst dropSmaller is better−4.3%

3.3%VolatilityLower is calmer3.9%

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

3–3Level

End-of-day Nov 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

Goldman SachsGCAL

+2.1%

past year

IUSBiShares

−0.2%

past year

GCALIUSBFaded: behind in that period

2–0GCAL wins

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

GCAL vs VCIT

YTD

Goldman SachsGCAL

+1.5%

VCITVanguard

−1.4%

+1.5%Year to date−1.4%

−5.4%Worst drop · 1Y−4.9%

3.3%Volatility · 1Y4.5%

3.6%Yield5.1%

$263MAssets$66.6B

2–2level

End-of-day Nov 10, 2026 · smaller drop and lower volatility win

1Y

5.05%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.05%$505

IUSB4.36%$436

GCAL3.57%$357

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$502most kept, VCIT

VCIT$505 − $3 = $502

IUSB$436 − $6 = $430

GCAL$357 − $35 = $322

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: GCAL, IUSB, VCIT

Today

[…]holdings […]

GCALIUSBVCIT

GCAL—[…][…]

IUSB[…]—[…]

VCIT[…][…]—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+2.1%GCAL, at 3.3% volatility

GCALWorst drop−5.4%3.3% vol

IUSBWorst drop−4.3%3.9% vol

VCITWorst drop−4.9%4.5% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

VCITGCAL

−1.4%Year to date+1.5%

5.1%Yield3.6%

−0.6%Past year+2.1%

0.03%Fee0.35%

2–2level

End-of-day Nov 10, 2026

+6.0%Year to date+7.6%

12.4%Yield7.9%

$42.0BAssets$46.6B

1–1level

End-of-day Nov 10, 2026

+10.9%Year to date+10.8%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 10, 2026

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GCAL, IUSB and VCIT

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three