VMBS vs SGOV

AVMBS

BSGOV

Measures won3–3level · of 6 · 5Y

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

Lowest cost0.03%VMBS · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]VMBS and SGOV

VMBS

SGOV

Vanguard Mortgage-Backed Securities ETF · $15.5BiShares 0-3 Month Treasury Bond ETF · $117B

+6.6%3 years · per year$12,128 · $11,417+4.5%

+0.5%5 years · per year$10,259 · $12,086+3.9%

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

4.31%12-mo yield$431 · $363 on $10k3.63%

−5.1%Worst dropSmaller wins0.0%

4.7%VolatilityLower wins0.2%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVMBS · SGOV

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 Three

5Y3 funds

#
1	BSGOV	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	VCIT	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	AVMBS	Vanguard Mortgage-Backed Securities ETFRead Desk	0.03%	4.31%	+0.2%	+0.4%	+1.2%	+6.6%	+0.5%	−5.1%	$15.5B

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

All Three

5Y3 funds

#
1	BSGOV	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	VCIT	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	AVMBS	Vanguard Mortgage-Backed Securities ETFRead Desk	0.03%	4.31%	+0.2%	+0.4%	+1.2%	+6.6%	+0.5%	−5.1%	$15.5B

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

VMBS vs SGOV

VMBS

Vanguard Mortgage-Backed Securities

$10,259

SGOV

iShares 0-3 Month Treasury Bond

$12,086

MeasureVMBSSGOV

Fee0.03%0.09%

Cost on $10k a year$3$9

Yield4.31%3.63%

5 years, per year+0.5%+3.9%

3 years, per year+6.6%+4.5%

Worst drop · 1Y−5.1%+0.0%

Volatility · 1Y4.7%0.2%

3–3measures won
level

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: VMBS, SGOV, VCIT

Today

[…]holdings […]

VMBSSGOVVCIT

VMBS—[…][…]

SGOV[…]—[…]

VCIT[…][…]—

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

VMBS$431 − $3 = $428

SGOV$363 − $9 = $354

KeptFee

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