MTBA vs SMBS

AMTBA

BSMBS

Measures won3–1MTBA wins · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · VCIT $10,510

Lowest cost0.03%SMBS · $3 on $10k

Most income6.06%MTBA · $606 on $10k

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

Held in common[…]MTBA and SMBS

MTBA

SMBS

Simplify MBS ETF · $896MSchwab Strategic Trust - Schwab Mortgage-Backed Securities ETF · $6.5B

[…]3 years · per year[…]

[…]5 years · per year[…]

0.28%Expense ratio$28 · $3 on $10k · lower wins0.03%

6.06%12-mo yield$606 · $528 on $10k5.28%

−4.6%Worst dropSmaller wins−5.2%

3.7%VolatilityLower wins4.7%

3–1MTBA wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMTBA · SMBS

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	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
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
3	AMTBA	Simplify MBS ETFRead Desk	0.28%	6.06%	+0.2%	−0.4%	+0.5%	new	new	−4.6%	$896M
4	BSMBS	Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFRead Desk	0.03%	5.28%	−0.1%	+0.4%	+1.1%	new	new	−5.2%	$6.5B

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	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
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
3	AMTBA	Simplify MBS ETFRead Desk	0.28%	6.06%	+0.2%	−0.4%	+0.5%	new	new	−4.6%	$896M
4	BSMBS	Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFRead Desk	0.03%	5.28%	−0.1%	+0.4%	+1.1%	new	new	−5.2%	$6.5B

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

MTBA vs SMBS

MTBA

Simplify MBS

[…]

SMBS

Schwab Strategic Trust - Schwab Mortgage-Backed Securities

[…]

MeasureMTBASMBS

Fee0.28%0.03%

Cost on $10k a year$28$3

Yield6.06%5.28%

5 years, per year[…][…]

3 years, per year[…][…]

Worst drop · 1Y−4.6%−5.2%

Volatility · 1Y3.7%4.7%

3–1measures won
MTBA first

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

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

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: MTBA, SMBS, SGOV, VCIT

Today

[…]holdings […]

MTBASMBSSGOVVCIT

MTBA—[…][…][…]

SMBS[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

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

Income After Fees on $10,000

$578most kept, MTBA

MTBA$606 − $28 = $578

SMBS$528 − $3 = $525

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

KeptFee

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