CLIP vs IVV

ACLIP

BIVV

Measures won3–2CLIP wins · of 6 · 5Y

$10,000 · 5Y$17,156VOO · IVV $17,151

Lowest cost0.03%IVV · $3 on $10k

Most income3.72%CLIP · $372 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]CLIP and IVV

CLIP

IVV

Global X - 1-3 Month T-Bill ETF · $2.3BiShares Core S&P 500 ETF · $850B

+4.5%3 years · per year$11,419 · $18,221+22.1%

[…]5 years · per year[…] · $17,151+11.4%

0.07%Expense ratio$7 · $3 on $10k · lower wins0.03%

3.72%12-mo yield$372 · $114 on $10k1.14%

−0.0%Worst dropSmaller wins−8.9%

0.2%VolatilityLower wins13.6%

3–2CLIP wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsCLIP · IVV

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

Held in common[…]

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

All Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
3	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
4	ACLIP	Global X - 1-3 Month T-Bill ETFRead Desk	0.07%	3.72%	0.0%	+3.1%	+3.8%	+4.5%	new	−0.0%	$2.3B

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

All Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
2	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
3	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
4	ACLIP	Global X - 1-3 Month T-Bill ETFRead Desk	0.07%	3.72%	0.0%	+3.1%	+3.8%	+4.5%	new	−0.0%	$2.3B

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

CLIP vs IVV

CLIP

Global X - 1-3 Month T-Bill

[…]

IVV

iShares Core S&P 500

$17,151

MeasureCLIPIVV

Fee0.07%0.03%

Cost on $10k a year$7$3

Yield3.72%1.14%

5 years, per year[…]+11.4%

3 years, per year+4.5%+22.1%

Worst drop · 1Y−0.0%−8.9%

Volatility · 1Y0.2%13.6%

3–2measures won
CLIP first

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

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: CLIP, IVV, SGOV, VOO

Today

93.5%most shared, IVV and VOO

CLIPIVVSGOVVOO

CLIP—[…][…][…]

IVV[…]—[…]93.5%

SGOV[…][…]—[…]

VOO[…]93.5%[…]—

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

Income After Fees on $10,000

$365most kept, CLIP

CLIP$372 − $7 = $365

SGOV$363 − $9 = $354

IVV$114 − $3 = $111

VOO$110 − $3 = $107

KeptFee

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