IUSB vs PCR

AIUSB

BPCR

Measures won3–1IUSB wins · of 6 · 5Y

$10,000 · 5Y$10,493VCIT · IUSB $10,138

Lowest cost0.03%VCIT · $3 on $10k

Most income12.49%PCR · $1,249 on $10k

Smallest drop−4.3%IUSB · worst fall in 1Y

Held in common[…]IUSB and PCR

IUSB

PCR

iShares Core Universal USD Bond ETF · $50.4BSimplify VettaFi Private Credit Strategy ETF · $2M

+5.6%3 years · per year$11,774 · […][…]

+0.3%5 years · per year$10,138 · […][…]

0.06%Expense ratio$6 · $76 on $10k · lower wins0.76%

4.34%12-mo yield$434 · $1,249 on $10k12.49%

−4.3%Worst dropSmaller wins−19.4%

3.9%VolatilityLower wins16.9%

3–1IUSB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIUSB · PCR

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	VCIT	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
2	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
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	BPCR	Simplify VettaFi Private Credit Strategy ETFRead Desk	0.76%	12.49%	0.0%	−15.4%	−17.7%	new	new	−19.4%	$2M

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	VCIT	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
2	AIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.34%	−0.1%	+0.1%	+0.8%	+5.6%	+0.3%	−4.3%	$50.4B
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	BPCR	Simplify VettaFi Private Credit Strategy ETFRead Desk	0.76%	12.49%	0.0%	−15.4%	−17.7%	new	new	−19.4%	$2M

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

IUSB vs PCR

IUSB

iShares Core Universal USD Bond

$10,138

PCR

Simplify VettaFi Private Credit Strategy

[…]

MeasureIUSBPCR

Fee0.06%0.76%

Cost on $10k a year$6$76

Yield4.34%12.49%

5 years, per year+0.3%[…]

3 years, per year+5.6%[…]

Worst drop · 1Y−4.3%−19.4%

Volatility · 1Y3.9%16.9%

3–1measures won
IUSB first

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: VCIT, PCR, IUSB, BND

Today

[…]holdings […]

VCITPCRIUSBBND

VCIT—[…][…][…]

PCR[…]—[…][…]

IUSB[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$1,173most kept, PCR

PCR$1,249 − $76 = $1,173

VCIT$502 − $3 = $499

IUSB$434 − $6 = $428

BND$412 − $3 = $409

KeptFee

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