TLT vs OBIL

ATLT

BOBIL

Measures won1–3OBIL wins · of 6 · 5Y

$10,000 · 5Y$10,510VCIT · BNDX $10,239

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]TLT and OBIL

TLT

OBIL

iShares 20+ Year Treasury Bond ETF · $48.7BUS Treasury 12 Month Bill ETF · $344M

+2.3%3 years · per year$10,710 · $11,375+4.4%

−7.7%5 years · per year$6,714 · […][…]

0.15%Expense ratio$15 · $15 on $10k · lower wins0.15%

4.77%12-mo yield$477 · $373 on $10k3.73%

−12.5%Worst dropSmaller wins−0.2%

9.5%VolatilityLower wins0.6%

1–3OBIL wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsTLT · OBIL

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	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
2	BNDX	Vanguard Total International Bond ETFRead Desk	0.07%	4.63%	+0.1%	+1.0%	+0.4%	+4.4%	+0.5%	−3.2%	$82.9B
3	ATLT	iShares 20+ Year Treasury Bond ETFRead Desk	0.15%	4.77%	0.0%	−2.3%	−4.4%	+2.3%	−7.7%	−12.5%	$48.7B
4	BOBIL	US Treasury 12 Month Bill ETFRead Desk	0.15%	3.73%	0.0%	+2.7%	+3.3%	+4.4%	new	−0.2%	$344M

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	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
2	BNDX	Vanguard Total International Bond ETFRead Desk	0.07%	4.63%	+0.1%	+1.0%	+0.4%	+4.4%	+0.5%	−3.2%	$82.9B
3	ATLT	iShares 20+ Year Treasury Bond ETFRead Desk	0.15%	4.77%	0.0%	−2.3%	−4.4%	+2.3%	−7.7%	−12.5%	$48.7B
4	BOBIL	US Treasury 12 Month Bill ETFRead Desk	0.15%	3.73%	0.0%	+2.7%	+3.3%	+4.4%	new	−0.2%	$344M

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

TLT vs OBIL

TLT

iShares 20+ Year Treasury Bond

$6,714

OBIL

US Treasury 12 Month Bill

[…]

MeasureTLTOBIL

Fee0.15%0.15%

Cost on $10k a year$15$15

Yield4.77%3.73%

5 years, per year−7.7%[…]

3 years, per year+2.3%+4.4%

Worst drop · 1Y−12.5%−0.2%

Volatility · 1Y9.5%0.6%

3–1measures won
OBIL first

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

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

Overlap: TLT, OBIL, VCIT, BNDX

Today

[…]holdings […]

TLTOBILVCITBNDX

TLT—[…][…][…]

OBIL[…]—[…][…]

VCIT[…][…]—[…]

BNDX[…][…][…]—

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

TLT$477 − $15 = $462

BNDX$463 − $7 = $456

OBIL$373 − $15 = $358

KeptFee

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