VCIT vs IUSB

AVCIT

BIUSB

Measures won4–2VCIT wins · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · VCIT $10,508

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 IUSB

VCIT

IUSB

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BiShares Core Universal USD Bond ETF · $50.3B

+7.3%3 years · per year$12,368 · $11,909+6.0%

+1.0%5 years · per year$10,508 · $10,142+0.3%

0.03%Expense ratio$3 · $6 on $10k · lower wins0.06%

5.02%12-mo yield$502 · $433 on $10k4.33%

−4.9%Worst dropSmaller wins−4.3%

4.5%VolatilityLower wins3.9%

4–2VCIT wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVCIT · IUSB

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 Four

5Y4 funds

#
1	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
2	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
3	BIUSB	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
4	SSFI	Day Hagan Smart Sector Fixed Income ETFRead Desk	0.76%	3.86%	+0.2%	−0.7%	−0.5%	+4.6%	−0.5%	−4.8%	$28M

End-of-day Nov 5, 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%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.8B
2	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
3	BIUSB	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
4	SSFI	Day Hagan Smart Sector Fixed Income ETFRead Desk	0.76%	3.86%	+0.2%	−0.7%	−0.5%	+4.6%	−0.5%	−4.8%	$28M

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 IUSB

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,508

IUSB

iShares Core Universal USD Bond

$10,142

MeasureVCITIUSB

Fee0.03%0.06%

Cost on $10k a year$3$6

Yield5.02%4.33%

5 years, per year+1.0%+0.3%

3 years, per year+7.3%+6.0%

Worst drop · 1Y−4.9%−4.3%

Volatility · 1Y4.5%3.9%

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

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

Overlap: VCIT, SSFI, IUSB, SGOV

Today

[…]holdings […]

VCITSSFIIUSBSGOV

VCIT—[…][…][…]

SSFI[…]—[…][…]

IUSB[…][…]—[…]

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

IUSB$433 − $6 = $427

SGOV$363 − $9 = $354

SSFI$386 − $76 = $310

KeptFee

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