VOO vs SHM

AVOO

BSHM

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,543VOO · IVV $17,177

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[…]VOO and SHM

VOO

SHM

Vanguard S&P 500 ETF · $1.00TState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

+22.0%3 years · per year$18,159 · $11,026+3.3%

+11.9%5 years · per year$17,543 · $10,577+1.1%

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

1.07%12-mo yield$107 · $270 on $10k2.70%

−8.9%Worst dropSmaller wins−2.7%

13.7%VolatilityLower wins1.8%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVOO · 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	AVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$852.9B
3	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
4	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.1%	+1.5%	+2.2%	+3.3%	+1.1%	−2.7%	$3.5B

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	AVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
2	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$852.9B
3	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
4	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.1%	+1.5%	+2.2%	+3.3%	+1.1%	−2.7%	$3.5B

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

VOO vs SHM

VOO

Vanguard S&P 500

$17,543

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,578

MeasureVOOSHM

Fee0.03%0.20%

Cost on $10k a year$3$20

Yield1.07%2.70%

5 years, per year+11.9%+1.1%

3 years, per year+22.0%+3.3%

Worst drop · 1Y−8.9%−2.7%

Volatility · 1Y13.7%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

SCHD vs VIG

YTD

SchwabSCHD

+33.1%

VIGVanguard

+14.8%

+33.1%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: IVV, SHM, VOO, SGOV

Today

92.2%most shared, IVV and VOO

IVVSHMVOOSGOV

IVV—[…]92.2%[…]

SHM[…]—[…][…]

VOO92.2%[…]—[…]

SGOV[…][…][…]—

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

SHM$270 − $20 = $250

IVV$114 − $3 = $111

VOO$107 − $3 = $104

KeptFee

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