VMBS vs SMBS

AVMBS

BSMBS

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · VMBS $10,259

Lowest cost0.03%VMBS · $3 on $10k

Most income5.28%SMBS · $528 on $10k

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

Held in common[…]VMBS and SMBS

VMBS

SMBS

Vanguard Mortgage-Backed Securities ETF · $15.5BSchwab Strategic Trust - Schwab Mortgage-Backed Securities ETF · $6.5B

+6.6%3 years · per year$12,128 · […][…]

+0.5%5 years · per year$10,259 · […][…]

0.03%Expense ratio$3 · $3 on $10k · lower wins0.03%

4.31%12-mo yield$431 · $528 on $10k5.28%

−5.1%Worst dropSmaller wins−5.2%

4.7%VolatilityLower wins4.7%

1–1Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVMBS · SMBS

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	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	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
3	BSMBS	Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFRead Desk	0.03%	5.28%	+0.3%	+0.4%	+1.1%	new	new	−5.2%	$6.5B

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	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	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
3	BSMBS	Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFRead Desk	0.03%	5.28%	+0.3%	+0.4%	+1.1%	new	new	−5.2%	$6.5B

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 SMBS

VMBS

Vanguard Mortgage-Backed Securities

$10,259

SMBS

Schwab Strategic Trust - Schwab Mortgage-Backed Securities

[…]

MeasureVMBSSMBS

Fee0.03%0.03%

Cost on $10k a year$3$3

Yield4.31%5.28%

5 years, per year+0.5%[…]

3 years, per year+6.6%[…]

Worst drop · 1Y−5.1%−5.2%

Volatility · 1Y4.7%4.7%

1–1measures 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%

$120BAssets$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%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: VMBS, SMBS, SGOV

Today

[…]holdings […]

VMBSSMBSSGOV

VMBS—[…][…]

SMBS[…]—[…]

SGOV[…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$525most kept, SMBS

SMBS$528 − $3 = $525

VMBS$431 − $3 = $428

SGOV$363 − $9 = $354

KeptFee

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