VGMS vs SGOV

AVGMS

BSGOV

Measures won1–3SGOV wins · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · MUB $10,414

Lowest cost0.05%MUB · $5 on $10k

Most income5.55%VGMS · $555 on $10k

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

Held in common[…]VGMS and SGOV

VGMS

SGOV

Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETF · $298MiShares 0-3 Month Treasury Bond ETF · $117B

[…]3 years · per year[…] · $11,419+4.5%

[…]5 years · per year[…] · $12,090+3.9%

0.30%Expense ratio$30 · $9 on $10k · lower wins0.09%

5.55%12-mo yield$555 · $363 on $10k3.63%

−2.7%Worst dropSmaller wins0.0%

3.4%VolatilityLower wins0.2%

1–3SGOV wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVGMS · SGOV

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	BSGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.9B
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.9B
3	IUSB	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
4	AVGMS	Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETFRead Desk	0.30%	5.55%	0.0%	+1.0%	+2.4%	new	new	−2.7%	$298M

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	BSGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.9B
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.9B
3	IUSB	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
4	AVGMS	Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond ETFRead Desk	0.30%	5.55%	0.0%	+1.0%	+2.4%	new	new	−2.7%	$298M

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

VGMS vs SGOV

VGMS

Vanguard Malvern Funds - Vanguard Multi-Sector Income Bond

[…]

SGOV

iShares 0-3 Month Treasury Bond

$12,090

MeasureVGMSSGOV

Fee0.30%0.09%

Cost on $10k a year$30$9

Yield5.55%3.63%

5 years, per year[…]+3.9%

3 years, per year[…]+4.5%

Worst drop · 1Y−2.7%+0.0%

Volatility · 1Y3.4%0.2%

3–1measures won
SGOV first

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

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

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: VGMS, SGOV, IUSB, MUB

Today

[…]holdings […]

VGMSSGOVIUSBMUB

VGMS—[…][…][…]

SGOV[…]—[…][…]

IUSB[…][…]—[…]

MUB[…][…][…]—

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

Income After Fees on $10,000

$525most kept, VGMS

VGMS$555 − $30 = $525

IUSB$434 − $6 = $428

SGOV$363 − $9 = $354

MUB$327 − $5 = $322

KeptFee

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