SHM vs BND

ASHM

BBND

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[…]SHM and BND

SHM

BND

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

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

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

0.20%Expense ratio$20 · $3 on $10k · lower wins0.03%

2.70%12-mo yield$270 · $412 on $10k4.12%

−2.7%Worst dropSmaller wins−4.5%

1.8%VolatilityLower wins4.0%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSHM · BND

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	ASHM	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	BBND	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	ASHM	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	BBND	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

SHM vs BND

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,571

BND

Vanguard Total Bond Market

$9,985

MeasureSHMBND

Fee0.20%0.03%

Cost on $10k a year$20$3

Yield2.70%4.12%

5 years, per year+1.1%−0.0%

3 years, per year+3.3%+5.0%

Worst drop · 1Y−2.7%−4.5%

Volatility · 1Y1.8%4.0%

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