OVM vs SUB

AOVM

BSUB

Measures won2–4SUB wins · of 6 · 5Y

$10,000 · 5Y$10,861SUB · OVM $10,610

Lowest cost0.03%VCIT · $3 on $10k

Most income5.74%OVM · $574 on $10k

Smallest drop−1.9%SUB · 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

+6.2%3 years · per year$11,994 · $11,021+3.3%

+1.2%5 years · per year$10,610 · $10,861+1.7%

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

5.74%12-mo yield$574 · $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 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	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.4%	+3.3%	+1.7%	−1.9%	$13.4B
2	AOVM	Overlay Shares Municipal Bond ETFRead Desk	0.81%	5.74%	+0.4%	+2.4%	+3.4%	+6.2%	+1.2%	−6.4%	$46M
3	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
4	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.0B

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	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.4%	+3.3%	+1.7%	−1.9%	$13.4B
2	AOVM	Overlay Shares Municipal Bond ETFRead Desk	0.81%	5.74%	+0.4%	+2.4%	+3.4%	+6.2%	+1.2%	−6.4%	$46M
3	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
4	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.0B

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

OVM vs SUB

OVM

Overlay Shares Municipal Bond

$10,610

SUB

iShares Short-Term National Muni Bond

$10,861

MeasureOVMSUB

Fee0.81%0.07%

Cost on $10k a year$81$7

Yield5.74%2.57%

5 years, per year+1.2%+1.7%

3 years, per year+6.2%+3.3%

Worst drop · 1Y−6.4%−1.9%

Volatility · 1Y5.7%1.4%

4–2measures won
SUB first

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

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

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

Overlap: OVM, SUB, VCIT, MUB

Today

[…]holdings […]

OVMSUBVCITMUB

OVM—[…][…][…]

SUB[…]—[…][…]

VCIT[…][…]—[…]

MUB[…][…][…]—

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

OVM$574 − $81 = $493

MUB$326 − $5 = $321

SUB$257 − $7 = $250

KeptFee

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