Compare · 3 funds side by side · dividends reinvested

SHM, VTI and VCIT

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,375VTI · best of the three

02 / 04

SHM, VTI and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B1.8

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.0%+3.4%+1.1%−2.7%1.8%$3.5B2.0

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.1

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

End-of-day Nov 6, 2026 · returns include dividends · since: SHM 2007 · VTI 2001 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

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

SHM

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,375

$10,000 five years ago, dividends reinvested

SHMMeasureVTI

+1.4%Year to dateJan 1 → Nov 6+8.9%

+2.0%1 yearTotal return+9.9%

+3.4%3 years · per year$10,000 became $11,042 · $18,004+21.7%

+1.1%5 years · per year$10,000 became $10,564 · $16,375+10.4%

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

2.70%Trailing 12-mo yield$270 · $109 a year on $10k1.09%

−2.7%Worst dropSmaller is better−8.9%

1.8%VolatilityLower is calmer13.7%

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

3–5VTI wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

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%

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

SHM vs VTI Returns, Every Period

SPDRSHM

+1.1%

5 years, per year

VTIVanguard

+10.4%

5 years, per year

SHMVTIFaded: behind in that period

0–4VTI wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

SHM vs VCIT

YTD

SPDRSHM

+1.4%

VCITVanguard

−0.8%

+1.4%Year to date−0.8%

−2.7%Worst drop · 1Y−4.9%

1.8%Volatility · 1Y4.5%

2.7%Yield5.0%

$3.5BAssets$66.6B

3–1SHM wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SHM, VTI, VCIT

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VCIT0.03%$3

SHM0.20%$20

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: SHM, VTI, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

SHM2.70%$270

VTI1.09%$109

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SHM$270 − $20 = $250

VTI$109 − $3 = $106

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: SHM, VTI, VCIT

Today

[…]holdings […]

SHMVTIVCIT

SHM—[…][…]

VTI[…]—[…]

VCIT[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+9.9%VTI, at 13.7% volatility

SHMWorst drop−2.7%1.8% vol

VCITWorst drop−4.9%4.5% vol

VTIWorst drop−8.9%13.7% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VCITVTI

−0.8%Year to date+8.9%

5.0%Yield1.1%

+0.4%Past year+9.9%

0.03%Fee0.03%

2–1VTI wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026