VCIT vs CGUI

AVCIT

BCGUI

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,118SPY · VCIT $10,493

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−0.2%CGUI · worst fall in 1Y

Held in common[…]VCIT and CGUI

VCIT

CGUI

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BCapital Group Ultra Short Income ETF · $388M

+6.9%3 years · per year$12,210 · […][…]

+1.0%5 years · per year$10,493 · […][…]

0.03%Expense ratio$3 · $18 on $10k · lower wins0.18%

5.02%12-mo yield$502 · $382 on $10k3.82%

−4.9%Worst dropSmaller wins−0.2%

4.5%VolatilityLower wins0.9%

2–2Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVCIT · CGUI

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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
2	AVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
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	BCGUI	Capital Group Ultra Short Income ETFRead Desk	0.18%	3.82%	−0.1%	+2.9%	+3.8%	new	new	−0.2%	$388M

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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
2	AVCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
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	BCGUI	Capital Group Ultra Short Income ETFRead Desk	0.18%	3.82%	−0.1%	+2.9%	+3.8%	new	new	−0.2%	$388M

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

VCIT vs CGUI

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,493

CGUI

Capital Group Ultra Short Income

[…]

MeasureVCITCGUI

Fee0.03%0.18%

Cost on $10k a year$3$18

Yield5.02%3.82%

5 years, per year+1.0%[…]

3 years, per year+6.9%[…]

Worst drop · 1Y−4.9%−0.2%

Volatility · 1Y4.5%0.9%

2–2measures won
level

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

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

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: SPY, CGUI, VCIT, BND

Today

[…]holdings […]

SPYCGUIVCITBND

SPY—[…][…][…]

CGUI[…]—[…][…]

VCIT[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BND$412 − $3 = $409

CGUI$382 − $18 = $364

SPY$103 − $9 = $94

KeptFee

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