SHYD vs SUB

ASHYD

BSUB

Measures won2–4SUB wins · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · SUB $10,861

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[…]SHYD and SUB

SHYD

SUB

VanEck Short High Yield Muni ETF · $531MiShares Short-Term National Muni Bond ETF · $13.4B

+5.3%3 years · per year$11,680 · $11,021+3.3%

+1.3%5 years · per year$10,644 · $10,861+1.7%

0.32%Expense ratio$32 · $7 on $10k · lower wins0.07%

3.63%12-mo yield$363 · $257 on $10k2.57%

−4.2%Worst dropSmaller wins−1.9%

3.3%VolatilityLower wins1.4%

2–4SUB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSHYD · SUB

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	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%	$116.4B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.4%	+3.3%	+1.7%	−1.9%	$13.4B
3	ASHYD	VanEck Short High Yield Muni ETFRead Desk	0.32%	3.63%	0.0%	+1.9%	+3.1%	+5.3%	+1.3%	−4.2%	$531M
4	VCIT	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

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	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%	$116.4B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.4%	+3.3%	+1.7%	−1.9%	$13.4B
3	ASHYD	VanEck Short High Yield Muni ETFRead Desk	0.32%	3.63%	0.0%	+1.9%	+3.1%	+5.3%	+1.3%	−4.2%	$531M
4	VCIT	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

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

SHYD vs SUB

SHYD

VanEck Short High Yield Muni

$10,643

SUB

iShares Short-Term National Muni Bond

$10,861

MeasureSHYDSUB

Fee0.32%0.07%

Cost on $10k a year$32$7

Yield3.63%2.57%

5 years, per year+1.3%+1.7%

3 years, per year+5.3%+3.3%

Worst drop · 1Y−4.2%−1.9%

Volatility · 1Y3.3%1.4%

4–2measures won
SUB first

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$116BAssets$48.7B

1–1level

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: SHYD, SUB, SGOV, VCIT

Today

[…]holdings […]

SHYDSUBSGOVVCIT

SHYD—[…][…][…]

SUB[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 9, 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

SHYD$363 − $32 = $331

SUB$257 − $7 = $250

KeptFee

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