Compare · 3 funds side by side · dividends reinvested

SHM, VTI and QQQ

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,871QQQ · best of the three

Story of the three · IncomeMost incomeSHM · 2.70% · $270 a year on $10k

Story of the three · RiskSmallest drop

SHM, VTI and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.07%+11.2%+13.2%+21.2%+10.6%−8.9%13.9%$689B1.6

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.46%+10.2%+11.2%+23.1%+12.3%−14.8%21.6%$446B2.1

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.3%+1.9%+3.2%+1.1%−2.7%1.8%$3.5B2.3

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

End-of-day Nov 10, 2026 · returns include dividends · since: SHM 2007 · VTI 2001 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,564

SHM

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,585

$10,000 five years ago, dividends reinvested

SHMMeasure

More Ways to See the Pairs

SHM vs VTI: Top 5 Holdings

Today

SHM

[…]in top 5

VTI

in top 525.0%

SHMStockVTI

not top 5NVDA7.1%

not top 5AAPL6.6%

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

Cost, Income and Risk

Fees: SHM, VTI, QQQ

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

QQQ0.18%$18

SHM0.20%$20

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

Yields: SHM, VTI, QQQ

1Y

Popular Pairs Near These Three

QQQM vs QQQ

YTD

InvescoQQQM

+10.3%

QQQInvesco

+10.2%

+10.3%Year to date+10.2%

0.15% · $15Fee · on $10k a year0.18% · $18

$103BAssets$446B

2–0QQQM wins

End-of-day Nov 10, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.2%

ITOTiShares

+11.0%

TQQQ vs QQQ

YTD

ProSharesTQQQ

+7.9%

QQQInvesco

+10.2%

VTI

+1.3%Year to dateJan 1 → Nov 10+11.2%

+1.9%1 yearTotal return+13.2%

+3.2%3 years · per year$10,000 became $10,986 · $17,823+21.2%

+1.1%5 years · per year$10,000 became $10,564 · $16,585+10.6%

0.20%Expense ratio$20 · $3 a year on $10k · lower is better0.03%

2.70%Trailing 12-mo yield$270 · $107 a year on $10k1.07%

−2.7%Worst dropSmaller is better−8.9%

1.8%VolatilityLower is calmer13.9%

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

3–5VTI wins

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

Held in common[…]

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

SHM vs VTI Returns, Every Period

5Y

SPDRSHM

+1.1%

5 years, per year

VTIVanguard

+10.6%

5 years, per year

SHMVTIFaded: behind in that period

0–4VTI wins

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

Bonds vs Core: SHM vs VTI

YTD

SPDRSHM

+1.3%

VTIVanguard

+11.2%

+1.3%Year to date+11.2%

−2.7%Worst drop · 1Y−8.9%

1.8%Volatility · 1Y13.9%

2.7%Yield1.1%

$3.5BAssets$689B

3–1SHM wins

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

2.70%highest, SHM

FundTrailing yieldYield$10k

SHM2.70%$270

VTI1.07%$107

QQQ0.46%$46

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

Income After Fees on $10,000

1Y

$250most kept, SHM

SHM$270 − $20 = $250

VTI$107 − $3 = $104

QQQ$46 − $18 = $28

KeptFee

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

Overlap: SHM, VTI, QQQ

Today

49.9%most shared, VTI and QQQ

SHMVTIQQQ

SHM—[…][…]

VTI[…]—49.9%

QQQ[…]49.9%—

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

Return vs Bumpiness: 3 ETFs

1Y

+13.2%VTI, at 13.9% volatility

SHMWorst drop−2.7%1.8% vol

VTIWorst drop−8.9%13.9% vol

QQQWorst drop−14.8%21.6% vol

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

Paid More vs Made More

YTD

SHMVTI

+1.3%Year to date+11.2%

2.7%Yield1.1%

+1.9%Past year+13.2%

0.20%Fee0.03%

3–1VTI wins

End-of-day Nov 10, 2026

+11.2%Year to date+11.0%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 10, 2026

+7.9%Year to date+10.2%

0.94% · $94Fee · on $10k a year0.18% · $18

$32.1BAssets$446B

2–0QQQ wins

End-of-day Nov 10, 2026

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SHM, VTI and QQQ

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three