SHM vs BND

ASHM

BBND

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,545IVV · SGOV $12,091

Lowest cost0.03%IVV · $3 on $10k

Most income4.12%BND · $412 on $10k

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

Held in common[…]SHM and BND

SHM

BND

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5BVanguard Total Bond Market ETF · $161B

+3.3%3 years · per year$11,019 · $11,576+5.0%

+1.1%5 years · per year$10,571 · $9,985−0.0%

0.20%Expense ratio$20 · $3 on $10k · lower wins0.03%

2.70%12-mo yield$270 · $412 on $10k4.12%

−2.7%Worst dropSmaller wins−4.5%

1.8%VolatilityLower wins4.0%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSHM · BND

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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$852.9B
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	ASHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B
4	BBND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$852.9B
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	ASHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B
4	BBND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

SHM vs BND

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,571

BND

Vanguard Total Bond Market

$9,985

MeasureSHMBND

Fee0.20%0.03%

Cost on $10k a year$20$3

Yield2.70%4.12%

5 years, per year+1.1%−0.0%

3 years, per year+3.3%+5.0%

Worst drop · 1Y−2.7%−4.5%

Volatility · 1Y1.8%4.0%

3–3measures won
level

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

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

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 9, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

Overlap: IVV, SHM, SGOV, BND

Today

[…]holdings […]

IVVSHMSGOVBND

IVV—[…][…][…]

SHM[…]—[…][…]

SGOV[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

SGOV$363 − $9 = $354

SHM$270 − $20 = $250

IVV$111 − $3 = $108

KeptFee

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