Compare · 4 funds side by side · dividends reinvested

VCIT, SJLD, MUB and SGOV

VCITVanguard×SJLDSanJac Alpha×MUBiShares×SGOViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,090SGOV · best of the four

02 / 04

VCIT, SJLD, MUB and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.6

SanJac Alpha Low Duration ETFBonds & Cash · Ultra-short0.35%5.16%+2.3%+2.4%[…][…]−1.1%1.4%$2M2.2

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.6

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.27%+0.5%+0.9%+4.5%+0.8%−6.3%3.7%$54.9B3.1

Rank among the four1st → 4thFee, 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: VCIT 2009 · SJLD 2024 · MUB 2007 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Intermediate-Term Corporate Bond ETF · $66.6B$10,493

VCIT

SJLD

SanJac Alpha Low Duration ETF · $2M[…]

$10,000 five years ago, dividends reinvested

VCITMeasureSJLD

−0.8%Year to dateJan 1 → Nov 6+2.3%

+0.4%1 yearTotal return+2.4%

+6.9%3 years · per year$10,000 became $12,210 · […][…]

+1.0%5 years · per year$10,000 became $10,493 · […][…]

0.03%Expense ratio$3 · $35 a year on $10k · lower is better0.35%

5.02%Trailing 12-mo yield$502 · $516 a year on $10k5.16%

−4.9%Worst dropSmaller is better−1.1%

4.5%VolatilityLower is calmer1.4%

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

1–5SJLD wins

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

More Ways to See the Pairs

VCIT vs SJLD: Top 5 Holdings

Today

VCIT

[…]in top 5

SJLD

in top 524.1%

VCITStockSJLD

not top 5PMTV6.6%

not top 5PMTW6.6%

not top 5MFAO4.4%

not top 5CIMO3.3%

not top 5MFAN3.3%

Held in common[…]

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

VCIT vs SJLD Returns, Every Period

VanguardVCIT

+0.4%

past year

SJLDSanJac Alpha

+2.4%

past year

VCITSJLDFaded: behind in that period

0–2SJLD wins

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

VCIT vs SJLD

YTD

VanguardVCIT

−0.8%

SJLDSanJac Alpha

+2.3%

−0.8%Year to date+2.3%

−4.9%Worst drop · 1Y−1.1%

4.5%Volatility · 1Y1.4%

5.0%Yield5.2%

$66.6BAssets$2.2M

4–0SJLD wins

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

Cost, Income and Risk

Fees: VCIT, SJLD, MUB, SGOV

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

MUB0.05%$5

SGOV0.09%$9

SJLD0.35%$35

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

Yields: VCIT, SJLD, MUB, SGOV

5.16%highest, SJLD

FundTrailing yieldYield$10k

SJLD5.16%$516

VCIT5.02%$502

SGOV3.63%$363

MUB3.27%$327

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SJLD$516 − $35 = $481

SGOV$363 − $9 = $354

MUB$327 − $5 = $322

KeptFee

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

Overlap: VCIT, SJLD, MUB, SGOV

Today

[…]holdings […]

VCITSJLDMUBSGOV

VCIT—[…][…][…]

SJLD[…]—[…][…]

MUB[…][…]—[…]

SGOV[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

SJLDWorst drop−1.1%1.4% vol

MUBWorst drop−6.3%3.7% vol

VCITWorst drop−4.9%4.5% vol

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

Paid More vs Made More

YTD

SJLDSGOV

+2.3%Year to date+3.2%

5.2%Yield3.6%

+2.4%Past year+3.8%

0.35%Fee0.09%

3–1SGOV wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

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