MUB vs SHM

AMUB

BSHM

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,545IVV · SGOV $12,091

Lowest cost0.03%IVV · $3 on $10k

Most income3.63%SGOV · $363 on $10k

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

Held in common[…]MUB and SHM

MUB

SHM

iShares National Muni Bond ETF · $55.0BState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

+4.1%3 years · per year$11,293 · $11,019+3.3%

+0.8%5 years · per year$10,432 · $10,571+1.1%

0.05%Expense ratio$5 · $20 on $10k · lower wins0.20%

3.26%12-mo yield$326 · $270 on $10k2.70%

−6.3%Worst dropSmaller wins−2.7%

3.7%VolatilityLower wins1.8%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMUB · SHM

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	BSHM	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	AMUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.0B

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	BSHM	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	AMUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.0B

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

MUB vs SHM

MUB

iShares National Muni Bond

$10,432

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,571

MeasureMUBSHM

Fee0.05%0.20%

Cost on $10k a year$5$20

Yield3.26%2.70%

5 years, per year+0.8%+1.1%

3 years, per year+4.1%+3.3%

Worst drop · 1Y−6.3%−2.7%

Volatility · 1Y3.7%1.8%

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

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

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 9, 2026

Overlap: IVV, SHM, SGOV, MUB

Today

[…]holdings […]

IVVSHMSGOVMUB

IVV—[…][…][…]

SHM[…]—[…][…]

SGOV[…][…]—[…]

MUB[…][…][…]—

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MUB$326 − $5 = $321

SHM$270 − $20 = $250

IVV$111 − $3 = $108

KeptFee

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