PRIV vs VCIT

APRIV

BVCIT

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$18,115VOO · VCIT $10,469

Lowest cost0.03%VCIT · $3 on $10k

Most income5.03%VCIT · $503 on $10k

Smallest drop−4.4%PRIV · worst fall in 1Y

Held in common[…]PRIV and VCIT

PRIV

VCIT

State Street IG Public & Private Credit ETF · $806MVanguard Intermediate-Term Corporate Bond ETF · $66.6B

[…]3 years · per year[…] · $12,336+7.2%

[…]5 years · per year[…] · $10,469+0.9%

0.55%Expense ratio$55 · $3 on $10k · lower wins0.03%

4.69%12-mo yield$469 · $503 on $10k5.03%

−4.4%Worst dropSmaller wins−4.9%

3.9%VolatilityLower wins4.5%

2–2Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsPRIV · VCIT

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

Held in common[…]

End-of-day Nov 4, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
2	BVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.03%	+0.6%	−0.9%	+0.1%	+7.2%	+0.9%	−4.9%	$66.6B
3	APRIV	State Street IG Public & Private Credit ETFRead Desk	0.55%	4.69%	+0.3%	−0.3%	+0.2%	new	new	−4.4%	$806M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
2	BVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.03%	+0.6%	−0.9%	+0.1%	+7.2%	+0.9%	−4.9%	$66.6B
3	APRIV	State Street IG Public & Private Credit ETFRead Desk	0.55%	4.69%	+0.3%	−0.3%	+0.2%	new	new	−4.4%	$806M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

PRIV vs VCIT

PRIV

IG Public & Private Credit

[…]

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,469

MeasurePRIVVCIT

Fee0.55%0.03%

Cost on $10k a year$55$3

Yield4.69%5.03%

5 years, per year[…]+0.9%

3 years, per year[…]+7.2%

Worst drop · 1Y−4.4%−4.9%

Volatility · 1Y3.9%4.5%

2–2measures won
level

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: PRIV, VCIT, VOO

Today

[…]holdings […]

PRIVVCITVOO

PRIV—[…][…]

VCIT[…]—[…]

VOO[…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$500most kept, VCIT

VCIT$503 − $3 = $500

PRIV$469 − $55 = $414

VOO$105 − $3 = $102

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee