Compare · 4 funds side by side · dividends reinvested

OPER, VUSB, SGOV and VCIT

OPERClearShares×VUSBVanguard×SGOViShares×VCITVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,137OPER · best of the four

02 / 04

OPER, VUSB, SGOV and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

ClearShares Ultra-Short Maturity ETFBonds & Cash · Ultra-short0.20%3.72%+3.2%+3.9%+4.6%+4.0%−0.1%0.3%$113M2.1

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B2.3

Vanguard Ultra-Short Bond ETFBonds & Cash · Ultra-short0.10%4.28%+2.9%+3.7%+5.2%+3.7%−0.4%0.7%$9.9B2.8

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.03%−0.9%+0.1%+7.2%+0.9%−4.9%4.5%$66.6B2.9

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

End-of-day Nov 4, 2026 · returns include dividends · since: OPER 2018 · VUSB 2021 · SGOV 2020 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

ClearShares Ultra-Short Maturity ETF · $113M$12,137

OPER

VUSB

Vanguard Ultra-Short Bond ETF · $9.9B$12,012

$10,000 five years ago, dividends reinvested

OPERMeasureVUSB

+3.2%Year to dateJan 1 → Nov 4+2.9%

+3.9%1 yearTotal return+3.7%

+4.6%3 years · per year$10,000 became $11,446 · $11,636+5.2%

+4.0%5 years · per year$10,000 became $12,137 · $12,012+3.7%

0.20%Expense ratio$20 · $10 a year on $10k · lower is better0.10%

3.72%Trailing 12-mo yield$372 · $428 a year on $10k4.28%

−0.1%Worst dropSmaller is better−0.4%

0.3%VolatilityLower is calmer0.7%

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

5–3OPER wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

OPER vs VUSB: Top 5 Holdings

Today

OPER

100.0%in top 5

VUSB

in top 5[…]

OPERStockVUSB

44.4%OPER1105not top 5

44.4%OPER1109not top 5

6.7%OPER1104not top 5

4.5%OPER1104not top 5

0.0%FGXXXnot top 5

Held in common[…]

End-of-day Nov 4, 2026 · share of each fund

OPER vs VUSB Returns, Every Period

ClearSharesOPER

+4.0%

5 years, per year

VUSBVanguard

+3.7%

5 years, per year

OPERVUSBFaded: behind in that period

3–1OPER wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

OPER vs VCIT

YTD

ClearSharesOPER

+3.2%

VCITVanguard

−0.9%

+3.2%Year to date−0.9%

−0.1%Worst drop · 1Y−4.9%

0.3%Volatility · 1Y4.5%

3.7%Yield5.0%

$113MAssets$66.6B

3–1OPER wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: OPER, VUSB, SGOV, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SGOV0.09%$9

VUSB0.10%$10

OPER0.20%$20

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: OPER, VUSB, SGOV, VCIT

5.03%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.03%$503

VUSB4.28%$428

OPER3.72%$372

SGOV3.63%$363

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$500most kept, VCIT

VCIT$503 − $3 = $500

VUSB$428 − $10 = $418

SGOV$363 − $9 = $354

OPER$372 − $20 = $352

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: OPER, VUSB, SGOV, VCIT

Today

[…]holdings […]

OPERVUSBSGOVVCIT

OPER—[…][…][…]

VUSB[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+3.9%OPER, at 0.3% volatility

SGOVWorst drop0.0%0.2% vol

OPERWorst drop−0.1%0.3% vol

VUSBWorst drop−0.4%0.7% vol

VCITWorst drop−4.9%4.5% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

VCITOPER

−0.9%Year to date+3.2%

5.0%Yield3.7%

+0.1%Past year+3.9%

0.03%Fee0.20%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026