SHM vs VCIT

ASHM

BVCIT

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · SHM $10,567

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]SHM and VCIT

SHM

VCIT

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5BVanguard Intermediate-Term Corporate Bond ETF · $66.6B

+3.4%3 years · per year$11,058 · $12,368+7.3%

+1.1%5 years · per year$10,567 · $10,508+1.0%

0.20%Expense ratio$20 · $3 on $10k · lower wins0.03%

2.70%12-mo yield$270 · $502 on $10k5.02%

−2.7%Worst dropSmaller wins−4.9%

1.8%VolatilityLower wins4.5%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsSHM · VCIT

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

Held in common[…]

End-of-day Nov 5, 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	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
2	ASHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.2%	+1.3%	+2.1%	+3.4%	+1.1%	−2.7%	$3.5B
3	BVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B

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

All Three

5Y3 funds

#
1	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
2	ASHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	+0.2%	+1.3%	+2.1%	+3.4%	+1.1%	−2.7%	$3.5B
3	BVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B

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

Cards for this view

SHM vs VCIT

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,567

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,508

MeasureSHMVCIT

Fee0.20%0.03%

Cost on $10k a year$20$3

Yield2.70%5.02%

5 years, per year+1.1%+1.0%

3 years, per year+3.4%+7.3%

Worst drop · 1Y−2.7%−4.9%

Volatility · 1Y1.8%4.5%

3–3measures won
level

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: SHM, VCIT, SGOV

Today

[…]holdings […]

SHMVCITSGOV

SHM—[…][…]

VCIT[…]—[…]

SGOV[…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

SHM$270 − $20 = $250

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee