IUSB vs SHM

AIUSB

BSHM

Measures won3–3level · of 6 · 3Y

$10,000 · 3Y$11,909IUSB · BND $11,761

Lowest cost0.03%BND · $3 on $10k

Most income4.33%IUSB · $433 on $10k

Smallest drop−2.7%SHM · worst fall in 1Y

Held in common[…]IUSB and SHM

IUSB

SHM

iShares Core Universal USD Bond ETF · $50.3BState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

+6.0%3 years · per year$11,909 · $11,058+3.4%

+0.3%5 years · per year$10,142 · $10,567+1.1%

0.06%Expense ratio$6 · $20 on $10k · lower wins0.20%

4.33%12-mo yield$433 · $270 on $10k2.70%

−4.3%Worst dropSmaller wins−2.7%

3.9%VolatilityLower wins1.8%

3–3Level

$10,000 · 3 yearsAll four, one scale

Shared top holdingsIUSB · SHM

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 5, 2026 · $10,000 3 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

3Y4 funds

#
1	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.2%	+0.2%	+0.6%	+6.0%	+0.3%	−4.3%	$50.3B
2	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.2%	+0.1%	+0.4%	+5.6%	0.0%	−4.5%	$161.4B
3	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.7B
4	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.2%	+1.3%	+2.1%	+3.4%	+1.1%	−2.7%	$3.5B

End-of-day Nov 5, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

3Y4 funds

#
1	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.2%	+0.2%	+0.6%	+6.0%	+0.3%	−4.3%	$50.3B
2	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.2%	+0.1%	+0.4%	+5.6%	0.0%	−4.5%	$161.4B
3	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.7B
4	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.2%	+1.3%	+2.1%	+3.4%	+1.1%	−2.7%	$3.5B

End-of-day Nov 5, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

IUSB vs SHM

IUSB

iShares Core Universal USD Bond

$11,909

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$11,058

MeasureIUSBSHM

Fee0.06%0.20%

Cost on $10k a year$6$20

Yield4.33%2.70%

5 years, per year+0.3%+1.1%

3 years, per year+6.0%+3.4%

Worst drop · 1Y−4.3%−2.7%

Volatility · 1Y3.9%1.8%

3–3measures won
level

Nov 5, 2026 · $10,000 three years ago, dividends reinvested

BND vs AGG

YTD

VanguardBND

+0.1%

AGGiShares

+0.1%

+0.1%Year to date+0.1%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: MUB, SHM, IUSB, BND

Today

[…]holdings […]

MUBSHMIUSBBND

MUB—[…][…][…]

SHM[…]—[…][…]

IUSB[…][…]—[…]

BND[…][…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$427most kept, IUSB

IUSB$433 − $6 = $427

BND$412 − $3 = $409

MUB$327 − $5 = $322

SHM$270 − $20 = $250

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee