VGIT vs SPY

AVGIT

BSPY

Measures won4–2VGIT wins · of 6 · 5Y

$10,000 · 5Y$17,358SPY · SGOV $12,092

Lowest cost0.03%VGIT · $3 on $10k

Most income4.01%VGIT · $401 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]VGIT and SPY

VGIT

SPY

Vanguard Intermediate-Term Treasury ETF · $39.7BState Street SPDR S&P 500 ETF · $778B

+3.8%3 years · per year$11,195 · $17,888+21.4%

+0.1%5 years · per year$10,026 · $17,358+11.7%

0.03%Expense ratio$3 · $9 on $10k · lower wins0.09%

4.01%12-mo yield$401 · $101 on $10k1.01%

−4.6%Worst dropSmaller wins−8.9%

3.6%VolatilityLower wins13.8%

4–2VGIT wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVGIT · SPY

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 10, 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	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	−0.4%	+10.8%	+13.0%	+21.4%	+11.7%	−8.9%	$777.9B
2	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
3	AVGIT	Vanguard Intermediate-Term Treasury ETFRead Desk	0.03%	4.01%	−0.6%	−1.1%	−0.8%	+3.8%	+0.1%	−4.6%	$39.7B

End-of-day Nov 10, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	−0.4%	+10.8%	+13.0%	+21.4%	+11.7%	−8.9%	$777.9B
2	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
3	AVGIT	Vanguard Intermediate-Term Treasury ETFRead Desk	0.03%	4.01%	−0.6%	−1.1%	−0.8%	+3.8%	+0.1%	−4.6%	$39.7B

End-of-day Nov 10, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

VGIT vs SPY

VGIT

Vanguard Intermediate-Term Treasury

$10,026

SPY

SPDR S&P 500

$17,359

MeasureVGITSPY

Fee0.03%0.09%

Cost on $10k a year$3$9

Yield4.01%1.01%

5 years, per year+0.1%+11.7%

3 years, per year+3.8%+21.4%

Worst drop · 1Y−4.6%−8.9%

Volatility · 1Y3.6%13.8%

4–2measures won
VGIT first

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

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 10, 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 10, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

+33.8%Year to date+15.1%

2.9%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

Overlap: VGIT, SPY, SGOV

Today

[…]holdings […]

VGITSPYSGOV

VGIT—[…][…]

SPY[…]—[…]

SGOV[…][…]—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$398most kept, VGIT

VGIT$401 − $3 = $398

SGOV$363 − $9 = $354

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee