CMF vs SUB

ACMF

BSUB

Measures won2–4SUB wins · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · SUB $10,853

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]CMF and SUB

CMF

SUB

iShares California Muni Bond ETF · $5.4BiShares Short-Term National Muni Bond ETF · $13.3B

+4.3%3 years · per year$11,340 · $11,053+3.4%

+0.6%5 years · per year$10,309 · $10,853+1.7%

0.08%Expense ratio$8 · $7 on $10k · lower wins0.07%

3.03%12-mo yield$303 · $257 on $10k2.57%

−6.5%Worst dropSmaller wins−1.9%

3.6%VolatilityLower wins1.4%

2–4SUB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsCMF · SUB

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	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%	$116.8B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	+0.1%	+1.6%	+2.4%	+3.4%	+1.7%	−1.9%	$13.3B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B
4	ACMF	iShares California Muni Bond ETFRead Desk	0.08%	3.03%	+0.3%	+0.1%	+0.7%	+4.3%	+0.6%	−6.5%	$5.4B

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	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%	$116.8B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	+0.1%	+1.6%	+2.4%	+3.4%	+1.7%	−1.9%	$13.3B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B
4	ACMF	iShares California Muni Bond ETFRead Desk	0.08%	3.03%	+0.3%	+0.1%	+0.7%	+4.3%	+0.6%	−6.5%	$5.4B

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

CMF vs SUB

CMF

iShares California Muni Bond

$10,309

SUB

iShares Short-Term National Muni Bond

$10,853

MeasureCMFSUB

Fee0.08%0.07%

Cost on $10k a year$8$7

Yield3.03%2.57%

5 years, per year+0.6%+1.7%

3 years, per year+4.3%+3.4%

Worst drop · 1Y−6.5%−1.9%

Volatility · 1Y3.6%1.4%

4–2measures won
SUB first

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

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: CMF, SUB, SGOV, VCIT

Today

[…]holdings […]

CMFSUBSGOVVCIT

CMF—[…][…][…]

SUB[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

CMF$303 − $8 = $295

SUB$257 − $7 = $250

KeptFee

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