IUSB vs XLF

AIUSB

BXLF

Measures won4–2IUSB wins · of 6 · 5Y

$10,000 · 5Y$15,474XLF · VCIT $10,493

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−4.3%IUSB · worst fall in 1Y

Held in common[…]IUSB and XLF

IUSB

XLF

iShares Core Universal USD Bond ETF · $50.4BState Street Financial Select Sector SPDR ETF · $55.5B

+5.6%3 years · per year$11,774 · $18,391+22.5%

+0.3%5 years · per year$10,138 · $15,474+9.1%

0.06%Expense ratio$6 · $8 on $10k · lower wins0.08%

4.34%12-mo yield$434 · $144 on $10k1.44%

−4.3%Worst dropSmaller wins−14.8%

3.9%VolatilityLower wins15.3%

4–2IUSB wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsIUSB · XLF

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 Three

5Y3 funds

#
1	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.4%	+22.5%	+9.1%	−14.8%	$55.5B
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

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

All Three

5Y3 funds

#
1	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.4%	+22.5%	+9.1%	−14.8%	$55.5B
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

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 XLF

IUSB

iShares Core Universal USD Bond

$10,138

XLF

Financial Select Sector SPDR

$15,474

MeasureIUSBXLF

Fee0.06%0.08%

Cost on $10k a year$6$8

Yield4.34%1.44%

5 years, per year+0.3%+9.1%

3 years, per year+5.6%+22.5%

Worst drop · 1Y−4.3%−14.8%

Volatility · 1Y3.9%15.3%

4–2measures won
IUSB first

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

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

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

Overlap: IUSB, XLF, VCIT

Today

[…]holdings […]

IUSBXLFVCIT

IUSB—[…][…]

XLF[…]—[…]

VCIT[…][…]—

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

IUSB$434 − $6 = $428

XLF$144 − $8 = $136

KeptFee

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