IBD vs VCIT

AIBD

BVCIT

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,177VOO · SGOV $12,090

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[…]IBD and VCIT

IBD

VCIT

Inspire Corporate Bond ETF · $477MVanguard Intermediate-Term Corporate Bond ETF · $66.6B

+5.6%3 years · per year$11,780 · $12,210+6.9%

+1.3%5 years · per year$10,674 · $10,493+1.0%

0.41%Expense ratio$41 · $3 on $10k · lower wins0.03%

4.40%12-mo yield$440 · $502 on $10k5.02%

−2.8%Worst dropSmaller wins−4.9%

4.3%VolatilityLower wins4.5%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIBD · VCIT

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 Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
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	AIBD	Inspire Corporate Bond ETFRead Desk	0.41%	4.40%	−0.3%	−0.3%	+0.9%	+5.6%	+1.3%	−2.8%	$477M
4	BVCIT	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

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$1.00T
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	AIBD	Inspire Corporate Bond ETFRead Desk	0.41%	4.40%	−0.3%	−0.3%	+0.9%	+5.6%	+1.3%	−2.8%	$477M
4	BVCIT	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

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

IBD vs VCIT

IBD

Inspire Corporate Bond

$10,674

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,493

MeasureIBDVCIT

Fee0.41%0.03%

Cost on $10k a year$41$3

Yield4.40%5.02%

5 years, per year+1.3%+1.0%

3 years, per year+5.6%+6.9%

Worst drop · 1Y−2.8%−4.9%

Volatility · 1Y4.3%4.5%

3–3measures won
level

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

1–1level

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 6, 2026

Overlap: IBD, VCIT, VOO, SGOV

Today

[…]holdings […]

IBDVCITVOOSGOV

IBD—[…][…][…]

VCIT[…]—[…][…]

VOO[…][…]—[…]

SGOV[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

IBD$440 − $41 = $399

SGOV$363 − $9 = $354

VOO$110 − $3 = $107

KeptFee

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