OVM vs SUB

AOVM

BSUB

Measures won2–4SUB wins · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · SUB $10,860

Lowest cost0.03%VCIT · $3 on $10k

Most income5.76%OVM · $576 on $10k

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

Held in common[…]OVM and SUB

OVM

SUB

Overlay Shares Municipal Bond ETF · $46MiShares Short-Term National Muni Bond ETF · $13.4B

+6.6%3 years · per year$12,128 · $11,045+3.4%

+1.1%5 years · per year$10,570 · $10,860+1.7%

0.81%Expense ratio$81 · $7 on $10k · lower wins0.07%

5.76%12-mo yield$576 · $257 on $10k2.57%

−6.4%Worst dropSmaller wins−1.9%

5.7%VolatilityLower wins1.4%

2–4SUB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsOVM · SUB

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

Held in common[…]

End-of-day Nov 6, 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%	$116.9B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.5%	+3.4%	+1.7%	−1.9%	$13.4B
3	AOVM	Overlay Shares Municipal Bond ETFRead Desk	0.81%	5.76%	+0.3%	+2.0%	+3.0%	+6.6%	+1.1%	−6.4%	$46M
4	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B

End-of-day Nov 6, 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%	$116.9B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.5%	+3.4%	+1.7%	−1.9%	$13.4B
3	AOVM	Overlay Shares Municipal Bond ETFRead Desk	0.81%	5.76%	+0.3%	+2.0%	+3.0%	+6.6%	+1.1%	−6.4%	$46M
4	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

OVM vs SUB

OVM

Overlay Shares Municipal Bond

$10,570

SUB

iShares Short-Term National Muni Bond

$10,860

MeasureOVMSUB

Fee0.81%0.07%

Cost on $10k a year$81$7

Yield5.76%2.57%

5 years, per year+1.1%+1.7%

3 years, per year+6.6%+3.4%

Worst drop · 1Y−6.4%−1.9%

Volatility · 1Y5.7%1.4%

4–2measures won
SUB first

Nov 6, 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$48.4B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: OVM, SUB, SGOV, VCIT

Today

[…]holdings […]

OVMSUBSGOVVCIT

OVM—[…][…][…]

SUB[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

OVM$576 − $81 = $495

SGOV$363 − $9 = $354

SUB$257 − $7 = $250

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee