Compare · 4 funds side by side · dividends reinvested

MMMA, SHM, SGOV and BND

MMMANY Life Investments×SHMSPDR×SGOViShares×BNDVanguard×

Story of the four · Growth3Y$10,000 three years agoDividends reinvested · all four on one scale$11,637BND · best of the four

02 / 04

MMMA, SHM, SGOV and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.6

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.3

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%−0.0%+0.6%+5.2%−0.1%−4.5%4.0%$161B2.4

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.0%+3.4%+1.1%−2.7%1.8%$3.5B2.6

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

End-of-day Nov 6, 2026 · returns include dividends · since: MMMA 2025 · SHM 2007 · SGOV 2020 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

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

MMMA

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,090

$10,000 five years ago, dividends reinvested

MMMAMeasureSGOV

+3.5%Year to dateJan 1 → Nov 6+3.2%

[…]1 yearTotal return+3.8%

[…]3 years · per year$10,000 became […] · $11,419+4.5%

[…]5 years · per year$10,000 became […] · $12,090+3.9%

0.40%Expense ratio$40 · $9 a year on $10k · lower is better0.09%

3.71%Trailing 12-mo yield$371 · $363 a year on $10k3.63%

[…]Worst dropSmaller is better0.0%

[…]VolatilityLower is calmer0.2%

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

2–1MMMA wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

MMMA vs SGOV: Top 5 Holdings

Today

MMMA

0.8%in top 5

SGOV

in top 5[…]

MMMAStockSGOV

0.8%CASHnot top 5

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

MMMA vs SGOV Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

SGOViShares

+3.8%

past year

MMMASGOVFaded: behind in that period

1–0MMMA wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

MMMA vs BND

YTD

NY Life InvestmentsMMMA

+3.5%

BNDVanguard

−0.0%

+3.5%Year to date−0.0%

[…]Worst drop · 1Y−4.5%

[…]Volatility · 1Y4.0%

3.7%Yield4.1%

$59.8MAssets$161B

1–1level

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMMA, SHM, SGOV, BND

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

SGOV0.09%$9

SHM0.20%$20

MMMA0.40%$40

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: MMMA, SHM, SGOV, BND

4.12%highest, BND

FundTrailing yieldYield$10k

BND4.12%$412

MMMA3.71%$371

SGOV3.63%$363

SHM2.70%$270

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

SHM$270 − $20 = $250

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: MMMA, SHM, SGOV, BND

Today

[…]holdings […]

MMMASHMSGOVBND

MMMA—[…][…][…]

SHM[…]—[…][…]

SGOV[…][…]—[…]

BND[…][…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

BNDWorst drop−4.5%4.0% vol

MMMAWorst drop[…][…]

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

BNDMMMA

−0.0%Year to date+3.5%

4.1%Yield3.7%

+0.6%Past year[…]

0.03%Fee0.40%

2–1BND wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

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 6, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026