IUSB vs CPLB

AIUSB

BCPLB

Measures won1–5CPLB wins · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · VCIT $10,508

Lowest cost0.03%VCIT · $3 on $10k

Most income5.49%CPLB · $549 on $10k

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

Held in common[…]IUSB and CPLB

IUSB

CPLB

iShares Core Universal USD Bond ETF · $50.3BNYLI MacKay Core Plus Bond ETF · $494M

+6.0%3 years · per year$11,909 · $12,275+7.1%

+0.3%5 years · per year$10,142 · $10,314+0.6%

0.06%Expense ratio$6 · $35 on $10k · lower wins0.35%

4.33%12-mo yield$433 · $549 on $10k5.49%

−4.3%Worst dropSmaller wins−4.0%

3.9%VolatilityLower wins3.7%

1–5CPLB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIUSB · CPLB

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

Held in common[…]

End-of-day Nov 5, 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	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B
3	BCPLB	NYLI MacKay Core Plus Bond ETFRead Desk	0.35%	5.49%	0.0%	+0.1%	+0.7%	+7.1%	+0.6%	−4.0%	$494M
4	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.2%	+0.2%	+0.6%	+6.0%	+0.3%	−4.3%	$50.3B

End-of-day Nov 5, 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	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B
3	BCPLB	NYLI MacKay Core Plus Bond ETFRead Desk	0.35%	5.49%	0.0%	+0.1%	+0.7%	+7.1%	+0.6%	−4.0%	$494M
4	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.2%	+0.2%	+0.6%	+6.0%	+0.3%	−4.3%	$50.3B

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

Cards for this view

IUSB vs CPLB

IUSB

iShares Core Universal USD Bond

$10,142

CPLB

NYLI MacKay Core Plus Bond

$10,314

MeasureIUSBCPLB

Fee0.06%0.35%

Cost on $10k a year$6$35

Yield4.33%5.49%

5 years, per year+0.3%+0.6%

3 years, per year+6.0%+7.1%

Worst drop · 1Y−4.3%−4.0%

Volatility · 1Y3.9%3.7%

5–1measures won
CPLB first

Nov 5, 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 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: IUSB, CPLB, VCIT, SGOV

Today

[…]holdings […]

IUSBCPLBVCITSGOV

IUSB—[…][…][…]

CPLB[…]—[…][…]

VCIT[…][…]—[…]

SGOV[…][…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$514most kept, CPLB

CPLB$549 − $35 = $514

VCIT$502 − $3 = $499

IUSB$433 − $6 = $427

SGOV$363 − $9 = $354

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee