Compare · 3 funds side by side · dividends reinvested

VTEL, SUB and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,086SGOV · best of the three

02 / 04

VTEL, SUB 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%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B1.3

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.57%+1.5%+2.3%+3.4%+1.6%−1.9%1.4%$13.3B2.0

Vanguard Municipal Bond Funds - Vanguard Long-Term Tax-Exempt Bond ETFBonds & Cash · Municipal0.09%3.94%−0.5%−0.1%[…][…]−8.6%4.7%$417M2.5

Rank among the three1st → 3rdFee, 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: VTEL 2025 · SUB 2008 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Municipal Bond Funds - Vanguard Long-Term Tax-Exempt Bond ETF · $417M[…]

VTEL

SUB

iShares Short-Term National Muni Bond ETF · $13.3B$10,841

$10,000 five years ago, dividends reinvested

VTELMeasureSUB

−0.5%Year to dateJan 1 → Nov 4+1.5%

−0.1%1 yearTotal return+2.3%

[…]3 years · per year$10,000 became […] · $11,044+3.4%

[…]5 years · per year$10,000 became […] · $10,841+1.6%

0.09%Expense ratio$9 · $7 a year on $10k · lower is better0.07%

3.94%Trailing 12-mo yield$394 · $257 a year on $10k2.57%

−8.6%Worst dropSmaller is better−1.9%

4.7%VolatilityLower is calmer1.4%

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

1–5SUB wins

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

More Ways to See the Pairs

VTEL vs SUB: Top 5 Holdings

Today

VTEL

[…]in top 5

SUB

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

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

VTEL vs SUB Returns, Every Period

VanguardVTEL

−0.1%

past year

SUBiShares

+2.3%

past year

VTELSUBFaded: behind in that period

0–2SUB wins

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

VTEL vs SGOV

YTD

VanguardVTEL

−0.5%

SGOViShares

+3.1%

−0.5%Year to date+3.1%

−8.6%Worst drop · 1Y+0.0%

4.7%Volatility · 1Y0.2%

3.9%Yield3.6%

$417MAssets$117B

3–1SGOV wins

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

Cost, Income and Risk

Fees: VTEL, SUB, SGOV

Today

0.07%lowest, SUB

FundExpense ratioFee$10k

SUB0.07%$7

VTEL0.09%$9

SGOV0.09%$9

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

Yields: VTEL, SUB, SGOV

3.94%highest, VTEL

FundTrailing yieldYield$10k

VTEL3.94%$394

SGOV3.63%$363

SUB2.57%$257

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

Income After Fees on $10,000

$385most kept, VTEL

VTEL$394 − $9 = $385

SGOV$363 − $9 = $354

SUB$257 − $7 = $250

KeptFee

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

Overlap: VTEL, SUB, SGOV

Today

[…]holdings […]

VTELSUBSGOV

VTEL—[…][…]

SUB[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

SUBWorst drop−1.9%1.4% vol

VTELWorst drop−8.6%4.7% vol

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

Paid More vs Made More

YTD

VTELSGOV

−0.5%Year to date+3.1%

3.9%Yield3.6%

−0.1%Past year+3.7%

0.09%Fee0.09%

2–1SGOV wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.1B

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%

$121BAssets$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%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026