VCIT vs SHM

AVCIT

BSHM

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,151IVV · VTI $16,332

Lowest cost0.03%IVV · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]VCIT and SHM

VCIT

SHM

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

+7.3%3 years · per year$12,368 · $11,058+3.4%

+1.0%5 years · per year$10,508 · $10,567+1.1%

0.03%Expense ratio$3 · $20 on $10k · lower wins0.20%

5.02%12-mo yield$502 · $270 on $10k2.70%

−4.9%Worst dropSmaller wins−2.7%

4.5%VolatilityLower wins1.8%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVCIT · SHM

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 5, 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%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
3	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.2%	+1.3%	+2.1%	+3.4%	+1.1%	−2.7%	$3.5B
4	AVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B

End-of-day Nov 5, 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%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
3	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.2%	+1.3%	+2.1%	+3.4%	+1.1%	−2.7%	$3.5B
4	AVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B

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

Cards for this view

VCIT vs SHM

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,508

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,567

MeasureVCITSHM

Fee0.03%0.20%

Cost on $10k a year$3$20

Yield5.02%2.70%

5 years, per year+1.0%+1.1%

3 years, per year+7.3%+3.4%

Worst drop · 1Y−4.9%−2.7%

Volatility · 1Y4.5%1.8%

3–3measures won
level

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$92.8B

0–0level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 5, 2026

Overlap: IVV, SHM, VCIT, VTI

Today

86.5%most shared, IVV and VTI

IVVSHMVCITVTI

IVV—[…][…]86.5%

SHM[…]—[…][…]

VCIT[…][…]—[…]

VTI86.5%[…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SHM$270 − $20 = $250

IVV$114 − $3 = $111

VTI$110 − $3 = $107

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee