IUSB vs EMHC

AIUSB

BEMHC

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · EMHC $10,698

Lowest cost0.03%BND · $3 on $10k

Most income6.30%EMHC · $630 on $10k

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

Held in common[…]IUSB and EMHC

IUSB

EMHC

iShares Core Universal USD Bond ETF · $50.4BState Street SPDR Bloomberg Emerging Markets USD Bond ETF · $320M

+5.4%3 years · per year$11,705 · $12,832+8.7%

+0.3%5 years · per year$10,151 · $10,702+1.4%

0.06%Expense ratio$6 · $23 on $10k · lower wins0.23%

4.33%12-mo yield$433 · $630 on $10k6.30%

−4.3%Worst dropSmaller wins−5.4%

3.9%VolatilityLower wins5.6%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIUSB · EMHC

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

Held in common[…]

End-of-day Nov 9, 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%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.5B
2	BEMHC	State Street SPDR Bloomberg Emerging Markets USD Bond ETFRead Desk	0.23%	6.30%	+0.5%	−0.2%	+1.0%	+8.7%	+1.4%	−5.4%	$320M
3	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.4B
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.1%	+0.1%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

End-of-day Nov 9, 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%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.5B
2	BEMHC	State Street SPDR Bloomberg Emerging Markets USD Bond ETFRead Desk	0.23%	6.30%	+0.5%	−0.2%	+1.0%	+8.7%	+1.4%	−5.4%	$320M
3	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.4B
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.1%	+0.1%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

IUSB vs EMHC

IUSB

iShares Core Universal USD Bond

$10,151

EMHC

SPDR Bloomberg Emerging Markets USD Bond

$10,702

MeasureIUSBEMHC

Fee0.06%0.23%

Cost on $10k a year$6$23

Yield4.33%6.30%

5 years, per year+0.3%+1.4%

3 years, per year+5.4%+8.7%

Worst drop · 1Y−4.3%−5.4%

Volatility · 1Y3.9%5.6%

3–3measures won
level

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

BND vs AGG

YTD

VanguardBND

+0.1%

AGGiShares

+0.0%

+0.1%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

1–0BND wins

End-of-day Nov 9, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.1%

VIGVanguard

+14.8%

+33.1%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: EMHC, SGOV, IUSB, BND

Today

[…]holdings […]

EMHCSGOVIUSBBND

EMHC—[…][…][…]

SGOV[…]—[…][…]

IUSB[…][…]—[…]

BND[…][…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$607most kept, EMHC

EMHC$630 − $23 = $607

IUSB$433 − $6 = $427

BND$412 − $3 = $409

SGOV$363 − $9 = $354

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee