EUSB vs VCIT

AEUSB

BVCIT

Measures won2–4VCIT wins · of 6 · 5Y

$10,000 · 5Y$17,553SPYM · SGOV $12,091

Lowest cost0.02%SPYM · $2 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]EUSB and VCIT

EUSB

VCIT

iShares ESG Advanced Universal USD Bond ETF · $711MVanguard Intermediate-Term Corporate Bond ETF · $66.6B

+5.2%3 years · per year$11,643 · $12,129+6.6%

+0.2%5 years · per year$10,100 · $10,510+1.0%

0.12%Expense ratio$12 · $3 on $10k · lower wins0.03%

4.07%12-mo yield$407 · $502 on $10k5.02%

−4.3%Worst dropSmaller wins−4.9%

3.7%VolatilityLower wins4.5%

2–4VCIT wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsEUSB · VCIT

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	SPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$178.8B
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%	$116.5B
3	BVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
4	AEUSB	iShares ESG Advanced Universal USD Bond ETFRead Desk	0.12%	4.07%	0.0%	−0.2%	+0.2%	+5.2%	+0.2%	−4.3%	$711M

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	SPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$178.8B
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%	$116.5B
3	BVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
4	AEUSB	iShares ESG Advanced Universal USD Bond ETFRead Desk	0.12%	4.07%	0.0%	−0.2%	+0.2%	+5.2%	+0.2%	−4.3%	$711M

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

EUSB vs VCIT

EUSB

iShares ESG Advanced Universal USD Bond

$10,100

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,510

MeasureEUSBVCIT

Fee0.12%0.03%

Cost on $10k a year$12$3

Yield4.07%5.02%

5 years, per year+0.2%+1.0%

3 years, per year+5.2%+6.6%

Worst drop · 1Y−4.3%−4.9%

Volatility · 1Y3.7%4.5%

4–2measures won
VCIT first

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM 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

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: EUSB, VCIT, SPYM, SGOV

Today

[…]holdings […]

EUSBVCITSPYMSGOV

EUSB—[…][…][…]

VCIT[…]—[…][…]

SPYM[…][…]—[…]

SGOV[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

EUSB$407 − $12 = $395

SGOV$363 − $9 = $354

SPYM$103 − $2 = $101

KeptFee

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