VGMS vs IUSB

AVGMS

BIUSB

Measures won3–1VGMS wins · of 6 · 3Y

$10,000 · 3Y$12,129VCIT · IUSB $11,705

Lowest cost0.03%VCIT · $3 on $10k

Most income5.54%VGMS · $554 on $10k

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

Held in common[…]VGMS and IUSB

VGMS

IUSB

Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETF · $298MiShares Core Universal USD Bond ETF · $50.4B

[…]3 years · per year[…] · $11,705+5.4%

[…]5 years · per year[…] · $10,151+0.3%

0.30%Expense ratio$30 · $6 on $10k · lower wins0.06%

5.54%12-mo yield$554 · $433 on $10k4.33%

−2.7%Worst dropSmaller wins−4.3%

3.4%VolatilityLower wins3.9%

3–1VGMS wins

$10,000 · 3 yearsAll four, one scale

Shared top holdingsVGMS · IUSB

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

Held in common[…]

End-of-day Nov 9, 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	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.4B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B
4	AVGMS	Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETFRead Desk	0.30%	5.54%	+0.1%	+1.1%	+2.4%	new	new	−2.7%	$298M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

3Y4 funds

#
1	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.4B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B
4	AVGMS	Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETFRead Desk	0.30%	5.54%	+0.1%	+1.1%	+2.4%	new	new	−2.7%	$298M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

VGMS vs IUSB

VGMS

Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond

[…]

IUSB

iShares Core Universal USD Bond

$11,705

MeasureVGMSIUSB

Fee0.30%0.06%

Cost on $10k a year$30$6

Yield5.54%4.33%

5 years, per year[…]+0.3%

3 years, per year[…]+5.4%

Worst drop · 1Y−2.7%−4.3%

Volatility · 1Y3.4%3.9%

3–1measures won
VGMS first

Nov 9, 2026 · $10,000 three years ago, dividends reinvested

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: VGMS, VCIT, IUSB, BND

Today

[…]holdings […]

VGMSVCITIUSBBND

VGMS—[…][…][…]

VCIT[…]—[…][…]

IUSB[…][…]—[…]

BND[…][…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$524most kept, VGMS

VGMS$554 − $30 = $524

VCIT$502 − $3 = $499

IUSB$433 − $6 = $427

BND$412 − $3 = $409

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee