Compare · 3 funds side by side · dividends reinvested

IBTO, SPY and VCIT

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,493SPY · best of the three

02 / 04

IBTO, SPY and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B1.6

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%$778B2.0

iShares iBonds Dec 2033 Term Treasury ETFBonds & Cash · Treasuries0.07%4.24%−1.0%−0.8%+4.4%[…]−5.8%4.4%$520M2.3

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: IBTO 2023 · SPY 1993 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Intermediate-Term Corporate Bond ETF · $66.6B$10,510

VCIT

IBTO

iShares iBonds Dec 2033 Term Treasury ETF · $520M[…]

$10,000 five years ago, dividends reinvested

VCITMeasureIBTO

−0.7%Year to dateJan 1 → Nov 9−1.0%

+0.0%1 yearTotal return−0.8%

+6.6%3 years · per year$10,000 became $12,129 · $11,370+4.4%

+1.0%5 years · per year$10,000 became $10,510 · […][…]

0.03%Expense ratio$3 · $7 a year on $10k · lower is better0.07%

5.02%Trailing 12-mo yield$502 · $424 a year on $10k4.24%

−4.9%Worst dropSmaller is better−5.8%

4.5%VolatilityLower is calmer4.4%

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

6–1VCIT wins

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

More Ways to See the Pairs

VCIT vs IBTO: Top 5 Holdings

Today

VCIT

[…]in top 5

IBTO

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

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

VCIT vs IBTO Returns, Every Period

VanguardVCIT

+0.0%

past year

IBTOiShares

−0.8%

past year

VCITIBTOFaded: behind in that period

3–0VCIT wins

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

VCIT vs IBTO

YTD

VanguardVCIT

−0.7%

IBTOiShares

−1.0%

−0.7%Year to date−1.0%

−4.9%Worst drop · 1Y−5.8%

4.5%Volatility · 1Y4.4%

5.0%Yield4.2%

$66.6BAssets$520M

3–1VCIT wins

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

Cost, Income and Risk

Fees: IBTO, SPY, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

IBTO0.07%$7

SPY0.09%$9

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

Yields: IBTO, SPY, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

IBTO4.24%$424

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

IBTO$424 − $7 = $417

SPY$101 − $9 = $92

KeptFee

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

Overlap: IBTO, SPY, VCIT

Today

[…]holdings […]

IBTOSPYVCIT

IBTO—[…][…]

SPY[…]—[…]

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

IBTOWorst drop−5.8%4.4% 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%

$122BAssets$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