PCR vs IUSB

APCR

BIUSB

Measures won1–3IUSB wins · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · IUSB $10,138

Lowest cost0.03%BND · $3 on $10k

Most income12.49%PCR · $1,249 on $10k

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

Held in common[…]PCR and IUSB

PCR

IUSB

Simplify VettaFi Private Credit Strategy ETF · $2MiShares Core Universal USD Bond ETF · $50.4B

[…]3 years · per year[…] · $11,774+5.6%

[…]5 years · per year[…] · $10,138+0.3%

0.76%Expense ratio$76 · $6 on $10k · lower wins0.06%

12.49%12-mo yield$1,249 · $434 on $10k4.34%

−19.4%Worst dropSmaller wins−4.3%

16.9%VolatilityLower wins3.9%

1–3IUSB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsPCR · IUSB

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%	$116.5B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	−0.1%	0.0%	+0.6%	+5.2%	−0.1%	−4.5%	$161.4B
4	APCR	Simplify VettaFi Private Credit Strategy ETFRead Desk	0.76%	12.49%	0.0%	−15.4%	−17.7%	new	new	−19.4%	$2M

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%	$116.5B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	−0.1%	0.0%	+0.6%	+5.2%	−0.1%	−4.5%	$161.4B
4	APCR	Simplify VettaFi Private Credit Strategy ETFRead Desk	0.76%	12.49%	0.0%	−15.4%	−17.7%	new	new	−19.4%	$2M

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

PCR vs IUSB

PCR

Simplify VettaFi Private Credit Strategy

[…]

IUSB

iShares Core Universal USD Bond

$10,138

MeasurePCRIUSB

Fee0.76%0.06%

Cost on $10k a year$76$6

Yield12.49%4.34%

5 years, per year[…]+0.3%

3 years, per year[…]+5.6%

Worst drop · 1Y−19.4%−4.3%

Volatility · 1Y16.9%3.9%

3–1measures won
IUSB first

Nov 6, 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 6, 2026

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

Overlap: PCR, IUSB, SGOV, BND

Today

[…]holdings […]

PCRIUSBSGOVBND

PCR—[…][…][…]

IUSB[…]—[…][…]

SGOV[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$1,173most kept, PCR

PCR$1,249 − $76 = $1,173

IUSB$434 − $6 = $428

BND$412 − $3 = $409

SGOV$363 − $9 = $354

KeptFee

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