VTEC vs IUSB

AVTEC

BIUSB

Measures won3–2VTEC wins · of 6 · YTD

$10,000 · YTD$10,029VTEC · IUSB $10,013

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−4.3%IUSB · worst fall in 1Y

Held in common[…]VTEC and IUSB

YTD

VTEC

IUSB

Vanguard California Tax-Exempt Bond ETF · $3.6BiShares Core Universal USD Bond ETF · $50.5B

+0.3%Year to dateJan 1 → Nov 9+0.1%

+0.8%1 yearTotal return+0.5%

0.06%Expense ratio$6 · $6 on $10k · lower wins0.06%

3.18%12-mo yield$318 · $433 on $10k4.33%

−6.4%Worst dropSmaller wins−4.3%

3.4%VolatilityLower wins3.9%

3–2VTEC wins

$10,000 · since Jan 1All four, one scale

Shared top holdingsVTEC · IUSB

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

Held in common[…]

End-of-day Nov 9, 2026 · $10,000 since Jan 1, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

YTD4 funds

#
1	AVTEC	Vanguard California Tax-Exempt Bond ETFRead Desk	0.06%	3.18%	0.0%	+0.3%	+0.8%	new	new	−6.4%	$3.6B
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%	$50.5B
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	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

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

All Four

YTD4 funds

#
1	AVTEC	Vanguard California Tax-Exempt Bond ETFRead Desk	0.06%	3.18%	0.0%	+0.3%	+0.8%	new	new	−6.4%	$3.6B
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%	$50.5B
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	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

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

VTEC vs IUSB

VTEC

Vanguard California Tax-Exempt Bond

$10,081

IUSB

iShares Core Universal USD Bond

$10,049

MeasureVTECIUSB

Fee0.06%0.06%

Cost on $10k a year$6$6

Yield3.18%4.33%

5 years, per year[…]+0.3%

3 years, per year[…]+5.4%

Worst drop · 1Y−6.4%−4.3%

Volatility · 1Y3.4%3.9%

2–1measures won
IUSB first

Nov 9, 2026 · $10,000 one year 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%

$122BAssets$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: VTEC, VCIT, IUSB, BND

Today

[…]holdings […]

VTECVCITIUSBBND

VTEC—[…][…][…]

VCIT[…]—[…][…]

IUSB[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

IUSB$433 − $6 = $427

BND$412 − $3 = $409

VTEC$318 − $6 = $312

KeptFee

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