Compare · 4 funds side by side · dividends reinvested

MMMA, SHM, VCIT and BND

MMMANY Life Investments×SHMSPDR×VCITVanguard×BNDVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$10,578SHM · best of the four

02 / 04

MMMA, SHM, VCIT and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.5%+2.2%+3.3%+1.1%−2.7%1.8%$3.5B2.0

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%+0.1%+0.3%+5.0%−0.0%−4.5%4.0%$161B2.1

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.3

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.4%[…][…][…][…][…]$60M2.7

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: MMMA 2025 · SHM 2007 · VCIT 2009 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$11,026

SHM

MMMA

NYLI MacKay Muni Allocation ETF · $60M[…]

$10,000 three years ago, dividends reinvested

SHMMeasureMMMA

+1.5%Year to dateJan 1 → Nov 9+3.4%

+2.2%1 yearTotal return[…]

+3.3%3 years · per year$10,000 became $11,026 · […][…]

+1.1%5 years · per year$10,000 became $10,577 · […][…]

0.20%Expense ratio$20 · $40 a year on $10k · lower is better0.40%

2.70%Trailing 12-mo yield$270 · $371 a year on $10k3.71%

−2.7%Worst dropSmaller is better[…]

1.8%VolatilityLower is calmer[…]

SHMMMMA Winner of the row, in its colourEach row: the bigger of the two fills its side

1–2MMMA wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SHM vs MMMA: Top 5 Holdings

Today

SHM

[…]in top 5

MMMA

in top 50.8%

SHMStockMMMA

not top 5CASH0.8%

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

SHM vs MMMA Returns, Every Period

SPDRSHM

+2.2%

past year

MMMANY Life Investments

[…]

past year

SHMMMMAFaded: behind in that period

0–1MMMA wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

SHM vs VCIT

YTD

SPDRSHM

+1.5%

VCITVanguard

−0.7%

+1.5%Year to date−0.7%

−2.7%Worst drop · 1Y−4.9%

1.8%Volatility · 1Y4.5%

2.7%Yield5.0%

$3.5BAssets$66.6B

3–1SHM wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMMA, SHM, VCIT, BND

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

BND0.03%$3

SHM0.20%$20

MMMA0.40%$40

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: MMMA, SHM, VCIT, BND

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

BND4.12%$412

MMMA3.71%$371

SHM2.70%$270

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BND$412 − $3 = $409

MMMA$371 − $40 = $331

SHM$270 − $20 = $250

KeptFee

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

Overlap: MMMA, SHM, VCIT, BND

Today

[…]holdings […]

MMMASHMVCITBND

MMMA—[…][…][…]

SHM[…]—[…][…]

VCIT[…][…]—[…]

BND[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+2.2%SHM, at 1.8% volatility

SHMWorst drop−2.7%1.8% vol

BNDWorst drop−4.5%4.0% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

VCITMMMA

−0.7%Year to date+3.4%

5.0%Yield3.7%

+0.0%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

BND vs AGG

YTD

VanguardBND

+0.1%

AGGiShares

+0.0%

+0.1%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

1–0BND wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.1%

VIGVanguard

+14.8%

+33.1%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$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