VCIT vs GLDM

AVCIT

BGLDM

Measures won4–2VCIT wins · of 6 · 5Y

$10,000 · 5Y$22,676GLDM · SGOV $12,090

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 GLDM

VCIT

GLDM

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BSPDR Gold MiniShares Trust · $30.5B

+6.9%3 years · per year$12,210 · $20,492+27.0%

+1.0%5 years · per year$10,493 · $22,676+17.8%

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

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

−4.9%Worst dropSmaller wins−28.0%

4.5%VolatilityLower wins28.8%

4–2VCIT wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVCIT · GLDM

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	BGLDM	SPDR Gold MiniShares TrustRead Desk	0.10%	0.00%	−0.8%	−5.8%	+2.0%	+27.0%	+17.8%	−28.0%	$30.5B
2	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%	$116.9B
3	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
4	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.9B

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	BGLDM	SPDR Gold MiniShares TrustRead Desk	0.10%	0.00%	−0.8%	−5.8%	+2.0%	+27.0%	+17.8%	−28.0%	$30.5B
2	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%	$116.9B
3	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
4	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.9B

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 GLDM

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,493

GLDM

SPDR Gold MiniShares Trust

$22,676

MeasureVCITGLDM

Fee0.03%0.10%

Cost on $10k a year$3$10

Yield5.02%0.00%

5 years, per year+1.0%+17.8%

3 years, per year+6.9%+27.0%

Worst drop · 1Y−4.9%−28.0%

Volatility · 1Y4.5%28.8%

4–2measures won
VCIT first

Nov 6, 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%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

GLDM vs GLD

YTD

SPDRGLDM

−5.8%

GLDSPDR

−6.0%

−5.8%Year to date−6.0%

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

$30.5BAssets$135B

2–0GLDM wins

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: VCIT, GLDM, SGOV, MUB

Today

[…]holdings […]

VCITGLDMSGOVMUB

VCIT—[…][…][…]

GLDM[…]—[…][…]

SGOV[…][…]—[…]

MUB[…][…][…]—

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

SGOV$363 − $9 = $354

MUB$327 − $5 = $322

GLDM$0 − $10 = −$10

KeptFee

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