IUSB vs CLIP

AIUSB

BCLIP

Measures won3–2IUSB wins · of 6 · 5Y

$10,000 · 5Y$10,493VCIT · IUSB $10,138

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−0.0%CLIP · worst fall in 1Y

Held in common[…]IUSB and CLIP

IUSB

CLIP

iShares Core Universal USD Bond ETF · $50.4BGlobal X - 1-3 Month T-Bill ETF · $2.3B

+5.6%3 years · per year$11,774 · $11,421+4.5%

+0.3%5 years · per year$10,138 · […][…]

0.06%Expense ratio$6 · $7 on $10k · lower wins0.07%

4.34%12-mo yield$434 · $372 on $10k3.72%

−4.3%Worst dropSmaller wins−0.0%

3.9%VolatilityLower wins0.2%

3–2IUSB wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsIUSB · CLIP

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

Held in common[…]

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
2	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
3	BCLIP	Global X - 1-3 Month T-Bill ETFRead Desk	0.07%	3.72%	0.0%	+3.2%	+3.8%	+4.5%	new	−0.0%	$2.3B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
2	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
3	BCLIP	Global X - 1-3 Month T-Bill ETFRead Desk	0.07%	3.72%	0.0%	+3.2%	+3.8%	+4.5%	new	−0.0%	$2.3B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

IUSB vs CLIP

IUSB

iShares Core Universal USD Bond

$10,138

CLIP

Global X - 1-3 Month T-Bill

[…]

MeasureIUSBCLIP

Fee0.06%0.07%

Cost on $10k a year$6$7

Yield4.34%3.72%

5 years, per year+0.3%[…]

3 years, per year+5.6%+4.5%

Worst drop · 1Y−4.3%−0.0%

Volatility · 1Y3.9%0.2%

3–2measures won
IUSB first

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

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

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

Overlap: CLIP, IUSB, VCIT

Today

[…]holdings […]

CLIPIUSBVCIT

CLIP—[…][…]

IUSB[…]—[…]

VCIT[…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

IUSB$434 − $6 = $428

CLIP$372 − $7 = $365

KeptFee

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