SHM vs IUSB

ASHM

BIUSB

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$10,542SHM · VCIT $10,469

Lowest cost0.03%VCIT · $3 on $10k

Most income5.03%VCIT · $503 on $10k

Smallest drop−2.7%SHM · worst fall in 1Y

Held in common[…]SHM and IUSB

SHM

IUSB

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5BiShares Core Universal USD Bond ETF · $50.3B

+3.4%3 years · per year$11,066 · $11,881+5.9%

+1.1%5 years · per year$10,542 · $10,113+0.2%

0.20%Expense ratio$20 · $6 on $10k · lower wins0.06%

2.71%12-mo yield$271 · $434 on $10k4.34%

−2.7%Worst dropSmaller wins−4.3%

1.8%VolatilityLower wins3.9%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsSHM · IUSB

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	ASHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.71%	+0.1%	+1.1%	+1.7%	+3.4%	+1.1%	−2.7%	$3.5B
2	VCIT	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	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	+0.5%	0.0%	+0.5%	+5.9%	+0.2%	−4.3%	$50.3B

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	ASHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.71%	+0.1%	+1.1%	+1.7%	+3.4%	+1.1%	−2.7%	$3.5B
2	VCIT	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	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	+0.5%	0.0%	+0.5%	+5.9%	+0.2%	−4.3%	$50.3B

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

SHM vs IUSB

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,542

IUSB

iShares Core Universal USD Bond

$10,113

MeasureSHMIUSB

Fee0.20%0.06%

Cost on $10k a year$20$6

Yield2.71%4.34%

5 years, per year+1.1%+0.2%

3 years, per year+3.4%+5.9%

Worst drop · 1Y−2.7%−4.3%

Volatility · 1Y1.8%3.9%

3–3measures won
level

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

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

Overlap: SHM, IUSB, VCIT

Today

[…]holdings […]

SHMIUSBVCIT

SHM—[…][…]

IUSB[…]—[…]

VCIT[…][…]—

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

IUSB$434 − $6 = $428

SHM$271 − $20 = $251

KeptFee

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