DIAL vs IUSB

ADIAL

BIUSB

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$10,493VCIT · DIAL $10,198

Lowest cost0.03%VCIT · $3 on $10k

Most income5.29%DIAL · $529 on $10k

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

Held in common[…]DIAL and IUSB

DIAL

IUSB

Columbia Diversified Fixed Income Allocation ETF · $421MiShares Core Universal USD Bond ETF · $50.4B

+6.7%3 years · per year$12,160 · $11,774+5.6%

+0.4%5 years · per year$10,198 · $10,138+0.3%

0.29%Expense ratio$29 · $6 on $10k · lower wins0.06%

5.29%12-mo yield$529 · $434 on $10k4.34%

−4.7%Worst dropSmaller wins−4.3%

4.6%VolatilityLower wins3.9%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsDIAL · IUSB

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	ADIAL	Columbia Diversified Fixed Income Allocation ETFRead Desk	0.29%	5.29%	−0.2%	−0.5%	+0.6%	+6.7%	+0.4%	−4.7%	$421M
3	BIUSB	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

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	ADIAL	Columbia Diversified Fixed Income Allocation ETFRead Desk	0.29%	5.29%	−0.2%	−0.5%	+0.6%	+6.7%	+0.4%	−4.7%	$421M
3	BIUSB	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

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

DIAL vs IUSB

DIAL

Columbia Diversified Fixed Income Allocation

$10,198

IUSB

iShares Core Universal USD Bond

$10,138

MeasureDIALIUSB

Fee0.29%0.06%

Cost on $10k a year$29$6

Yield5.29%4.34%

5 years, per year+0.4%+0.3%

3 years, per year+6.7%+5.6%

Worst drop · 1Y−4.7%−4.3%

Volatility · 1Y4.6%3.9%

3–3measures won
level

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: DIAL, IUSB, VCIT

Today

[…]holdings […]

DIALIUSBVCIT

DIAL—[…][…]

IUSB[…]—[…]

VCIT[…][…]—

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

Income After Fees on $10,000

$500most kept, DIAL

DIAL$529 − $29 = $500

VCIT$502 − $3 = $499

IUSB$434 − $6 = $428

KeptFee

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