FCAL vs SUB

AFCAL

BSUB

Measures won2–4SUB wins · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · SUB $10,841

Lowest cost0.03%VCIT · $3 on $10k

Most income5.03%VCIT · $503 on $10k

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

Held in common[…]FCAL and SUB

FCAL

SUB

First Trust California Municipal High Income ETF · $212MiShares Short-Term National Muni Bond ETF · $13.3B

+4.3%3 years · per year$11,345 · $11,044+3.4%

+0.4%5 years · per year$10,222 · $10,841+1.6%

0.49%Expense ratio$49 · $7 on $10k · lower wins0.07%

3.55%12-mo yield$355 · $257 on $10k2.57%

−6.9%Worst dropSmaller wins−1.9%

3.7%VolatilityLower wins1.4%

2–4SUB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFCAL · SUB

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

Held in common[…]

End-of-day Nov 4, 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%	0.0%	+1.5%	+2.3%	+3.4%	+1.6%	−1.9%	$13.3B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.03%	+0.6%	−0.9%	+0.1%	+7.2%	+0.9%	−4.9%	$66.6B
4	AFCAL	First Trust California Municipal High Income ETFRead Desk	0.49%	3.55%	+0.4%	0.0%	+0.7%	+4.3%	+0.4%	−6.9%	$212M

End-of-day Nov 4, 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%	0.0%	+1.5%	+2.3%	+3.4%	+1.6%	−1.9%	$13.3B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.03%	+0.6%	−0.9%	+0.1%	+7.2%	+0.9%	−4.9%	$66.6B
4	AFCAL	First Trust California Municipal High Income ETFRead Desk	0.49%	3.55%	+0.4%	0.0%	+0.7%	+4.3%	+0.4%	−6.9%	$212M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

FCAL vs SUB

FCAL

First Trust California Municipal High Income

$10,222

SUB

iShares Short-Term National Muni Bond

$10,841

MeasureFCALSUB

Fee0.49%0.07%

Cost on $10k a year$49$7

Yield3.55%2.57%

5 years, per year+0.4%+1.6%

3 years, per year+4.3%+3.4%

Worst drop · 1Y−6.9%−1.9%

Volatility · 1Y3.7%1.4%

4–2measures won
SUB first

Nov 4, 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 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

Overlap: FCAL, SUB, SGOV, VCIT

Today

[…]holdings […]

FCALSUBSGOVVCIT

FCAL—[…][…][…]

SUB[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$500most kept, VCIT

VCIT$503 − $3 = $500

SGOV$363 − $9 = $354

FCAL$355 − $49 = $306

SUB$257 − $7 = $250

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee