BND vs SHM

ABND

BSHM

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$16,697VTI · SHM $10,571

Lowest cost0.03%VTI · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−2.7%SHM · worst fall in 1Y

Held in common[…]BND and SHM

BND

SHM

Vanguard Total Bond Market ETF · $161BState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

+5.0%3 years · per year$11,576 · $11,019+3.3%

−0.0%5 years · per year$9,985 · $10,571+1.1%

0.03%Expense ratio$3 · $20 on $10k · lower wins0.20%

4.12%12-mo yield$412 · $270 on $10k2.70%

−4.5%Worst dropSmaller wins−2.7%

4.0%VolatilityLower wins1.8%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsBND · SHM

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 Four

5Y4 funds

#
1	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
2	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B
3	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
4	ABND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

All Four

5Y4 funds

#
1	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
2	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B
3	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
4	ABND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

BND vs SHM

BND

Vanguard Total Bond Market

$9,985

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,571

MeasureBNDSHM

Fee0.03%0.20%

Cost on $10k a year$3$20

Yield4.12%2.70%

5 years, per year−0.0%+1.1%

3 years, per year+5.0%+3.3%

Worst drop · 1Y−4.5%−2.7%

Volatility · 1Y4.0%1.8%

3–3measures won
level

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

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 9, 2026

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: VTI, SHM, VCIT, BND

Today

[…]holdings […]

VTISHMVCITBND

VTI—[…][…][…]

SHM[…]—[…][…]

VCIT[…][…]—[…]

BND[…][…][…]—

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

BND$412 − $3 = $409

SHM$270 − $20 = $250

VTI$106 − $3 = $103

KeptFee

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