VPC vs IUSB

AVPC

BIUSB

Measures won1–5IUSB wins · of 6 · 5Y

$10,000 · 5Y$10,510VCIT · IUSB $10,151

Lowest cost0.03%VCIT · $3 on $10k

Most income15.37%VPC · $1,537 on $10k

Smallest drop−4.3%IUSB · worst fall in 1Y

Held in common[…]VPC and IUSB

VPC

IUSB

Virtus Private Credit Strategy ETF · $27MiShares Core Universal USD Bond ETF · $50.5B

−0.9%3 years · per year$9,730 · $11,705+5.4%

−0.4%5 years · per year$9,789 · $10,151+0.3%

10.60%Expense ratio$1,060 · $6 on $10k · lower wins0.06%

15.37%12-mo yield$1,537 · $433 on $10k4.33%

−18.2%Worst dropSmaller wins−4.3%

14.7%VolatilityLower wins3.9%

1–5IUSB wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVPC · IUSB

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

Held in common[…]

End-of-day Nov 9, 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	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.5B
3	AVPC	Virtus Private Credit Strategy ETFRead Desk	10.60%	15.37%	+0.4%	−12.1%	−10.6%	−0.9%	−0.4%	−18.2%	$27M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.5B
3	AVPC	Virtus Private Credit Strategy ETFRead Desk	10.60%	15.37%	+0.4%	−12.1%	−10.6%	−0.9%	−0.4%	−18.2%	$27M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

VPC vs IUSB

VPC

Virtus Private Credit Strategy

$9,789

IUSB

iShares Core Universal USD Bond

$10,151

MeasureVPCIUSB

Fee10.60%0.06%

Cost on $10k a year$1,060$6

Yield15.37%4.33%

5 years, per year−0.4%+0.3%

3 years, per year−0.9%+5.4%

Worst drop · 1Y−18.2%−4.3%

Volatility · 1Y14.7%3.9%

5–1measures won
IUSB first

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

Overlap: VPC, VCIT, IUSB

Today

[…]holdings […]

VPCVCITIUSB

VPC—[…][…]

VCIT[…]—[…]

IUSB[…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

VPC$1,537 − $1,060 = $477

IUSB$433 − $6 = $427

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee