VCIT vs SPMB

AVCIT

BSPMB

Measures won6–0VCIT wins · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · VCIT $10,510

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 SPMB

VCIT

SPMB

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BState Street SPDR Portfolio Mortgage Backed Bond ETF · $7.0B

+6.6%3 years · per year$12,129 · $11,852+5.8%

+1.0%5 years · per year$10,510 · $10,149+0.3%

0.03%Expense ratio$3 · $4 on $10k · lower wins0.04%

5.02%12-mo yield$502 · $425 on $10k4.25%

−4.9%Worst dropSmaller wins−5.6%

4.5%VolatilityLower wins4.7%

6–0VCIT wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVCIT · SPMB

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	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%	$116.4B
2	AVCIT	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
3	BSPMB	State Street SPDR Portfolio Mortgage Backed Bond ETFRead Desk	0.04%	4.25%	+0.1%	+0.2%	+0.8%	+5.8%	+0.3%	−5.6%	$7.0B
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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	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%	$116.4B
2	AVCIT	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
3	BSPMB	State Street SPDR Portfolio Mortgage Backed Bond ETFRead Desk	0.04%	4.25%	+0.1%	+0.2%	+0.8%	+5.8%	+0.3%	−5.6%	$7.0B
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

VCIT vs SPMB

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,510

SPMB

SPDR Portfolio Mortgage Backed Bond

$10,149

MeasureVCITSPMB

Fee0.03%0.04%

Cost on $10k a year$3$4

Yield5.02%4.25%

5 years, per year+1.0%+0.3%

3 years, per year+6.6%+5.8%

Worst drop · 1Y−4.9%−5.6%

Volatility · 1Y4.5%4.7%

6–0measures won
VCIT first

Nov 9, 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 9, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$116BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

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

Overlap: VCIT, SPMB, SGOV, BND

Today

[…]holdings […]

VCITSPMBSGOVBND

VCIT—[…][…][…]

SPMB[…]—[…][…]

SGOV[…][…]—[…]

BND[…][…][…]—

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

SPMB$425 − $4 = $421

BND$412 − $3 = $409

SGOV$363 − $9 = $354

KeptFee

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