SPY vs VCIT

ASPY

BVCIT

Measures won2–4VCIT wins · of 6 · 5Y

$10,000 · 5Y$17,493SPY · VCIT $10,510

Lowest cost0.03%VCIT · $3 on $10k

Most income6.07%PCL · $607 on $10k

Smallest drop−4.5%BND · worst fall in 1Y

Held in common[…]SPY and VCIT

SPY

VCIT

State Street SPDR S&P 500 ETF · $778BVanguard Intermediate-Term Corporate Bond ETF · $66.6B

+21.9%3 years · per year$18,118 · $12,129+6.6%

+11.8%5 years · per year$17,493 · $10,510+1.0%

0.09%Expense ratio$9 · $3 on $10k · lower wins0.03%

1.01%12-mo yield$101 · $502 on $10k5.02%

−8.9%Worst dropSmaller wins−4.9%

13.7%VolatilityLower wins4.5%

2–4VCIT wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSPY · VCIT

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	ASPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
2	BVCIT	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	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B
4	PCL	PGIM ETF Trust - PGIM Corporate Bond 10+ Year ETFRead Desk	0.25%	6.07%	+0.3%	−1.9%	−2.5%	new	new	−8.9%	$73M

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	ASPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
2	BVCIT	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	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B
4	PCL	PGIM ETF Trust - PGIM Corporate Bond 10+ Year ETFRead Desk	0.25%	6.07%	+0.3%	−1.9%	−2.5%	new	new	−8.9%	$73M

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

SPY vs VCIT

SPY

SPDR S&P 500

$17,493

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,510

MeasureSPYVCIT

Fee0.09%0.03%

Cost on $10k a year$9$3

Yield1.01%5.02%

5 years, per year+11.8%+1.0%

3 years, per year+21.9%+6.6%

Worst drop · 1Y−8.9%−4.9%

Volatility · 1Y13.7%4.5%

4–2measures won
VCIT first

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

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

Overlap: PCL, VCIT, SPY, BND

Today

[…]holdings […]

PCLVCITSPYBND

PCL—[…][…][…]

VCIT[…]—[…][…]

SPY[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$582most kept, PCL

PCL$607 − $25 = $582

VCIT$502 − $3 = $499

BND$412 − $3 = $409

SPY$101 − $9 = $92

KeptFee

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