IVV vs CLIP

AIVV

BCLIP

Measures won2–3CLIP wins · of 6 · 5Y

$10,000 · 5Y$17,414IVV · SGOV $12,092

Lowest cost0.03%IVV · $3 on $10k

Most income4.15%BND · $415 on $10k

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

Held in common[…]IVV and CLIP

IVV

CLIP

iShares Core S&P 500 ETF · $875BGlobal X - 1-3 Month T-Bill ETF · $2.3B

+21.5%3 years · per year$17,934 · $11,413+4.5%

+11.7%5 years · per year$17,414 · […][…]

0.03%Expense ratio$3 · $7 on $10k · lower wins0.07%

1.11%12-mo yield$111 · $372 on $10k3.72%

−8.9%Worst dropSmaller wins−0.0%

13.8%VolatilityLower wins0.2%

2–3CLIP wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIVV · CLIP

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

Held in common[…]

End-of-day Nov 10, 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	AIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	−0.4%	+10.9%	+13.0%	+21.5%	+11.7%	−8.9%	$875.2B
2	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.15%	−0.7%	−0.7%	−0.4%	+4.6%	−0.2%	−4.5%	$161.4B
4	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 10, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	AIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	−0.4%	+10.9%	+13.0%	+21.5%	+11.7%	−8.9%	$875.2B
2	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.15%	−0.7%	−0.7%	−0.4%	+4.6%	−0.2%	−4.5%	$161.4B
4	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 10, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

IVV vs CLIP

IVV

iShares Core S&P 500

$17,414

CLIP

Global X - 1-3 Month T-Bill

[…]

MeasureIVVCLIP

Fee0.03%0.07%

Cost on $10k a year$3$7

Yield1.11%3.72%

5 years, per year+11.7%[…]

3 years, per year+21.5%+4.5%

Worst drop · 1Y−8.9%−0.0%

Volatility · 1Y13.8%0.2%

3–2measures won
CLIP first

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

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 10, 2026

BND vs AGG

YTD

VanguardBND

−0.7%

AGGiShares

−0.7%

−0.7%Year to date−0.7%

4.1%Yield4.2%

$161BAssets$139B

1–0AGG wins

End-of-day Nov 10, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$116BAssets$48.7B

1–1level

End-of-day Nov 10, 2026

Overlap: CLIP, SGOV, IVV, BND

Today

[…]holdings […]

CLIPSGOVIVVBND

CLIP—[…][…][…]

SGOV[…]—[…][…]

IVV[…][…]—[…]

BND[…][…][…]—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$412most kept, BND

BND$415 − $3 = $412

CLIP$372 − $7 = $365

SGOV$363 − $9 = $354

IVV$111 − $3 = $108

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee