IUSB vs SMBS

AIUSB

BSMBS

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · VCIT $10,493

Lowest cost0.03%SMBS · $3 on $10k

Most income5.27%SMBS · $527 on $10k

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

Held in common[…]IUSB and SMBS

IUSB

SMBS

iShares Core Universal USD Bond ETF · $50.4BSchwab Strategic Trust - Schwab Mortgage-Backed Securities ETF · $6.5B

+5.6%3 years · per year$11,774 · […][…]

+0.3%5 years · per year$10,138 · […][…]

0.06%Expense ratio$6 · $3 on $10k · lower wins0.03%

4.34%12-mo yield$434 · $527 on $10k5.27%

−4.3%Worst dropSmaller wins−5.2%

3.9%VolatilityLower wins4.7%

2–2Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIUSB · SMBS

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	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	VCIT	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
3	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
4	BSMBS	Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFRead Desk	0.03%	5.27%	+0.1%	+0.5%	+1.6%	new	new	−5.2%	$6.5B

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	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	VCIT	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
3	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
4	BSMBS	Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFRead Desk	0.03%	5.27%	+0.1%	+0.5%	+1.6%	new	new	−5.2%	$6.5B

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

IUSB vs SMBS

IUSB

iShares Core Universal USD Bond

$10,138

SMBS

Schwab Strategic Trust - Schwab Mortgage-Backed Securities

[…]

MeasureIUSBSMBS

Fee0.06%0.03%

Cost on $10k a year$6$3

Yield4.34%5.27%

5 years, per year+0.3%[…]

3 years, per year+5.6%[…]

Worst drop · 1Y−4.3%−5.2%

Volatility · 1Y3.9%4.7%

2–2measures won
level

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

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: IUSB, SMBS, SGOV, VCIT

Today

[…]holdings […]

IUSBSMBSSGOVVCIT

IUSB—[…][…][…]

SMBS[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

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

Income After Fees on $10,000

$524most kept, SMBS

SMBS$527 − $3 = $524

VCIT$502 − $3 = $499

IUSB$434 − $6 = $428

SGOV$363 − $9 = $354

KeptFee

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