IUSB vs VGMS

AIUSB

BVGMS

Measures won1–3VGMS wins · of 6 · 5Y

$10,000 · 5Y$10,510VCIT · MUB $10,432

Lowest cost0.03%VCIT · $3 on $10k

Most income5.54%VGMS · $554 on $10k

Smallest drop−2.7%VGMS · worst fall in 1Y

Held in common[…]IUSB and VGMS

IUSB

VGMS

iShares Core Universal USD Bond ETF · $50.4BVanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETF · $298M

+5.4%3 years · per year$11,705 · […][…]

+0.3%5 years · per year$10,151 · […][…]

0.06%Expense ratio$6 · $30 on $10k · lower wins0.30%

4.33%12-mo yield$433 · $554 on $10k5.54%

−4.3%Worst dropSmaller wins−2.7%

3.9%VolatilityLower wins3.4%

1–3VGMS wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIUSB · VGMS

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	VCIT	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
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.0B
3	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.4B
4	BVGMS	Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETFRead Desk	0.30%	5.54%	+0.1%	+1.1%	+2.4%	new	new	−2.7%	$298M

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	VCIT	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
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.0B
3	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.4B
4	BVGMS	Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETFRead Desk	0.30%	5.54%	+0.1%	+1.1%	+2.4%	new	new	−2.7%	$298M

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

IUSB vs VGMS

IUSB

iShares Core Universal USD Bond

$10,151

VGMS

Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond

[…]

MeasureIUSBVGMS

Fee0.06%0.30%

Cost on $10k a year$6$30

Yield4.33%5.54%

5 years, per year+0.3%[…]

3 years, per year+5.4%[…]

Worst drop · 1Y−4.3%−2.7%

Volatility · 1Y3.9%3.4%

3–1measures won
VGMS first

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

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

Overlap: IUSB, VGMS, VCIT, MUB

Today

[…]holdings […]

IUSBVGMSVCITMUB

IUSB—[…][…][…]

VGMS[…]—[…][…]

VCIT[…][…]—[…]

MUB[…][…][…]—

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

Income After Fees on $10,000

$524most kept, VGMS

VGMS$554 − $30 = $524

VCIT$502 − $3 = $499

IUSB$433 − $6 = $427

MUB$326 − $5 = $321

KeptFee

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