IUSB vs OBIL

AIUSB

BOBIL

Measures won3–2IUSB wins · of 6 · 5Y

$10,000 · 5Y$10,508VCIT · IUSB $10,142

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[…]IUSB and OBIL

IUSB

OBIL

iShares Core Universal USD Bond ETF · $50.3BUS Treasury 12 Month Bill ETF · $337M

+6.0%3 years · per year$11,909 · $11,393+4.4%

+0.3%5 years · per year$10,142 · […][…]

0.06%Expense ratio$6 · $15 on $10k · lower wins0.15%

4.33%12-mo yield$433 · $372 on $10k3.72%

−4.3%Worst dropSmaller wins−0.2%

3.9%VolatilityLower wins0.6%

3–2IUSB wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsIUSB · OBIL

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	VCIT	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
2	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.2%	+0.2%	+0.6%	+6.0%	+0.3%	−4.3%	$50.3B
3	BOBIL	US Treasury 12 Month Bill ETFRead Desk	0.15%	3.72%	+0.1%	+2.7%	+3.4%	+4.4%	new	−0.2%	$337M

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	VCIT	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
2	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.2%	+0.2%	+0.6%	+6.0%	+0.3%	−4.3%	$50.3B
3	BOBIL	US Treasury 12 Month Bill ETFRead Desk	0.15%	3.72%	+0.1%	+2.7%	+3.4%	+4.4%	new	−0.2%	$337M

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

IUSB vs OBIL

IUSB

iShares Core Universal USD Bond

$10,142

OBIL

US Treasury 12 Month Bill

[…]

MeasureIUSBOBIL

Fee0.06%0.15%

Cost on $10k a year$6$15

Yield4.33%3.72%

5 years, per year+0.3%[…]

3 years, per year+6.0%+4.4%

Worst drop · 1Y−4.3%−0.2%

Volatility · 1Y3.9%0.6%

3–2measures won
IUSB first

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

Overlap: VCIT, OBIL, IUSB

Today

[…]holdings […]

VCITOBILIUSB

VCIT—[…][…]

OBIL[…]—[…]

IUSB[…][…]—

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

IUSB$433 − $6 = $427

OBIL$372 − $15 = $357

KeptFee

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