VCIT vs GLD

AVCIT

BGLD

Measures won4–2VCIT wins · of 6 · 5Y

$10,000 · 5Y$22,340GLD · SGOV $12,086

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[…]VCIT and GLD

VCIT

GLD

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BSPDR Gold Shares · $131B

+7.3%3 years · per year$12,368 · $20,397+26.8%

+1.0%5 years · per year$10,508 · $22,340+17.4%

0.03%Expense ratio$3 · $40 on $10k · lower wins0.40%

5.02%12-mo yield$502 · $0 on $10k0.00%

−4.9%Worst dropSmaller wins−28.3%

4.5%VolatilityLower wins29.0%

4–2VCIT wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVCIT · GLD

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	BGLD	SPDR Gold SharesRead Desk	0.40%	0.00%	+0.8%	−5.3%	+3.6%	+26.8%	+17.4%	−28.3%	$131.3B
2	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%	$116.8B
3	AVCIT	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	BGLD	SPDR Gold SharesRead Desk	0.40%	0.00%	+0.8%	−5.3%	+3.6%	+26.8%	+17.4%	−28.3%	$131.3B
2	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%	$116.8B
3	AVCIT	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

VCIT vs GLD

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,508

GLD

SPDR Gold Shares

$22,340

MeasureVCITGLD

Fee0.03%0.40%

Cost on $10k a year$3$40

Yield5.02%0.00%

5 years, per year+1.0%+17.4%

3 years, per year+7.3%+26.8%

Worst drop · 1Y−4.9%−28.3%

Volatility · 1Y4.5%29.0%

4–2measures won
VCIT first

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

GLDM vs GLD

YTD

SPDRGLDM

−5.8%

GLDSPDR

−5.3%

−5.8%Year to date−5.3%

0.10% · $10Fee · on $10k a year0.40% · $40

$29.7BAssets$131B

1–1level

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: VCIT, GLD, SGOV

Today

[…]holdings […]

VCITGLDSGOV

VCIT—[…][…]

GLD[…]—[…]

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

GLD$0 − $40 = −$40

KeptFee

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