OPER vs IUSB

AOPER

BIUSB

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$12,141OPER · VCIT $10,510

Lowest cost0.03%AGG · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−0.1%OPER · worst fall in 1Y

Held in common[…]OPER and IUSB

OPER

IUSB

ClearShares Ultra-Short Maturity ETF · $113MiShares Core Universal USD Bond ETF · $50.5B

+4.6%3 years · per year$11,440 · $11,705+5.4%

+4.0%5 years · per year$12,141 · $10,151+0.3%

0.20%Expense ratio$20 · $6 on $10k · lower wins0.06%

3.72%12-mo yield$372 · $433 on $10k4.33%

−0.1%Worst dropSmaller wins−4.3%

0.3%VolatilityLower wins3.9%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsOPER · IUSB

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	AOPER	ClearShares Ultra-Short Maturity ETFRead Desk	0.20%	3.72%	0.0%	+3.2%	+3.8%	+4.6%	+4.0%	−0.1%	$113M
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	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.5B
4	AGG	iShares Core U.S. Aggregate Bond ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.6%	$139.1B

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	AOPER	ClearShares Ultra-Short Maturity ETFRead Desk	0.20%	3.72%	0.0%	+3.2%	+3.8%	+4.6%	+4.0%	−0.1%	$113M
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	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.5B
4	AGG	iShares Core U.S. Aggregate Bond ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.6%	$139.1B

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

OPER vs IUSB

OPER

ClearShares Ultra-Short Maturity

$12,141

IUSB

iShares Core Universal USD Bond

$10,151

MeasureOPERIUSB

Fee0.20%0.06%

Cost on $10k a year$20$6

Yield3.72%4.33%

5 years, per year+4.0%+0.3%

3 years, per year+4.6%+5.4%

Worst drop · 1Y−0.1%−4.3%

Volatility · 1Y0.3%3.9%

3–3measures won
level

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

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

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$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: OPER, IUSB, AGG, VCIT

Today

[…]holdings […]

OPERIUSBAGGVCIT

OPER—[…][…][…]

IUSB[…]—[…][…]

AGG[…][…]—[…]

VCIT[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

IUSB$433 − $6 = $427

AGG$412 − $3 = $409

OPER$372 − $20 = $352

KeptFee

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