VCIT vs SUB

AVCIT

BSUB

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · SUB $10,853

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 SUB

VCIT

SUB

Vanguard Intermediate-Term Corporate Bond ETF · $66.6BiShares Short-Term National Muni Bond ETF · $13.4B

+7.3%3 years · per year$12,368 · $11,053+3.4%

+1.0%5 years · per year$10,508 · $10,853+1.7%

0.03%Expense ratio$3 · $7 on $10k · lower wins0.07%

5.02%12-mo yield$502 · $257 on $10k2.57%

−4.9%Worst dropSmaller wins−1.9%

4.5%VolatilityLower wins1.4%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVCIT · SUB

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%	$116.9B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	+0.1%	+1.6%	+2.4%	+3.4%	+1.7%	−1.9%	$13.4B
3	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
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.2%	+0.1%	+0.4%	+5.6%	0.0%	−4.5%	$161.4B

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%	$116.9B
2	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	+0.1%	+1.6%	+2.4%	+3.4%	+1.7%	−1.9%	$13.4B
3	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
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.2%	+0.1%	+0.4%	+5.6%	0.0%	−4.5%	$161.4B

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 SUB

VCIT

Vanguard Intermediate-Term Corporate Bond

$10,508

SUB

iShares Short-Term National Muni Bond

$10,853

MeasureVCITSUB

Fee0.03%0.07%

Cost on $10k a year$3$7

Yield5.02%2.57%

5 years, per year+1.0%+1.7%

3 years, per year+7.3%+3.4%

Worst drop · 1Y−4.9%−1.9%

Volatility · 1Y4.5%1.4%

3–3measures won
level

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

BND vs AGG

YTD

VanguardBND

+0.1%

AGGiShares

+0.1%

+0.1%Year to date+0.1%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 5, 2026

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: VCIT, SUB, BND, SGOV

Today

[…]holdings […]

VCITSUBBNDSGOV

VCIT—[…][…][…]

SUB[…]—[…][…]

BND[…][…]—[…]

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

BND$412 − $3 = $409

SGOV$363 − $9 = $354

SUB$257 − $7 = $250

KeptFee

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