Compare · 4 funds side by side · dividends reinvested

OVM, SUB, VCIT and MUB

OVMOverlay Shares×SUBiShares×VCITVanguard×MUBiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$10,861SUB · best of the four

02 / 04

OVM, SUB, VCIT and MUB, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.57%+1.6%+2.4%+3.3%+1.7%−1.9%1.4%$13.4B2.3

Overlay Shares Municipal Bond ETFBonds & Cash · Municipal0.81%5.74%+2.4%+3.4%+6.2%+1.2%−6.4%5.7%$46M2.4

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.5

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.26%+0.7%+1.1%+4.1%+0.8%−6.3%3.7%$55.0B2.9

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

End-of-day Nov 9, 2026 · returns include dividends · since: OVM 2019 · SUB 2008 · VCIT 2009 · MUB 2007

Head to Head

Swap sides Versus in desk

Head to Head

Overlay Shares Municipal Bond ETF · $46M$10,610

OVM

SUB

iShares Short-Term National Muni Bond ETF · $13.4B$10,861

$10,000 five years ago, dividends reinvested

OVMMeasureSUB

+2.4%Year to dateJan 1 → Nov 9+1.6%

+3.4%1 yearTotal return+2.4%

+6.2%3 years · per year$10,000 became $11,994 · $11,021+3.3%

+1.2%5 years · per year$10,000 became $10,610 · $10,861+1.7%

0.81%Expense ratio$81 · $7 a year on $10k · lower is better0.07%

5.74%Trailing 12-mo yield$574 · $257 a year on $10k2.57%

−6.4%Worst dropSmaller is better−1.9%

5.7%VolatilityLower is calmer1.4%

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

4–4Level

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

More Ways to See the Pairs

OVM vs SUB: Top 5 Holdings

Today

OVM

100.0%in top 5

SUB

in top 5[…]

OVMStockSUB

100.0%MUBnot top 5

Held in common[…]

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

OVM vs SUB Returns, Every Period

Overlay SharesOVM

+1.2%

5 years, per year

SUBiShares

+1.7%

5 years, per year

OVMSUBFaded: behind in that period

3–1OVM wins

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

OVM vs VCIT

YTD

Overlay SharesOVM

+2.4%

VCITVanguard

−0.7%

+2.4%Year to date−0.7%

−6.4%Worst drop · 1Y−4.9%

5.7%Volatility · 1Y4.5%

5.7%Yield5.0%

$45.7MAssets$66.6B

2–2level

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

Cost, Income and Risk

Fees: OVM, SUB, VCIT, MUB

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

MUB0.05%$5

SUB0.07%$7

OVM0.81%$81

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

Yields: OVM, SUB, VCIT, MUB

5.74%highest, OVM

FundTrailing yieldYield$10k

OVM5.74%$574

VCIT5.02%$502

MUB3.26%$326

SUB2.57%$257

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

OVM$574 − $81 = $493

MUB$326 − $5 = $321

SUB$257 − $7 = $250

KeptFee

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

Overlap: OVM, SUB, VCIT, MUB

Today

[…]holdings […]

OVMSUBVCITMUB

OVM—[…][…][…]

SUB[…]—[…][…]

VCIT[…][…]—[…]

MUB[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+3.4%OVM, at 5.7% volatility

SUBWorst drop−1.9%1.4% vol

MUBWorst drop−6.3%3.7% vol

VCITWorst drop−4.9%4.5% vol

OVMWorst drop−6.4%5.7% vol

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

Paid More vs Made More

YTD

OVMSUB

+2.4%Year to date+1.6%

5.7%Yield2.6%

+3.4%Past year+2.4%

0.81%Fee0.07%

3–1OVM wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

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

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