Compare · 4 funds side by side · dividends reinvested

APMU, MMMA, SGOV and VCIT

APMUActivePassive×MMMANY Life Investments×SGOViShares×VCITVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,090SGOV · best of the four

02 / 04

APMU, MMMA, SGOV and VCIT, 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

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.1

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

ActivePassive Intermediate Municipal Bond ETFBonds & Cash · Municipal0.35%2.53%+0.7%+1.3%+3.8%[…]−5.0%3.1%$259M2.9

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: APMU 2023 · MMMA 2025 · SGOV 2020 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

ActivePassive Intermediate Municipal Bond ETF · $259M[…]

APMU

MMMA

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

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

APMUMeasureMMMA

+0.7%Year to dateJan 1 → Nov 6+3.5%

+1.3%1 yearTotal return[…]

+3.8%3 years · per year$10,000 became $11,174 · […][…]

[…]5 years · per year[…]

0.35%Expense ratio$35 · $40 a year on $10k · lower is better0.40%

2.53%Trailing 12-mo yield$253 · $371 a year on $10k3.71%

−5.0%Worst dropSmaller is better[…]

3.1%VolatilityLower is calmer[…]

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

1–2MMMA wins

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

More Ways to See the Pairs

APMU vs MMMA: Top 5 Holdings

Today

APMU

3.1%in top 5

MMMA

in top 50.8%

APMUStockMMMA

3.1%MUBnot top 5

not top 5CASH0.8%

Held in common0.0%

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

APMU vs MMMA Returns, Every Period

ActivePassiveAPMU

+1.3%

past year

MMMANY Life Investments

[…]

past year

APMUMMMAFaded: behind in that period

0–1MMMA wins

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

APMU vs VCIT

YTD

ActivePassiveAPMU

+0.7%

VCITVanguard

−0.8%

+0.7%Year to date−0.8%

−5.0%Worst drop · 1Y−4.9%

3.1%Volatility · 1Y4.5%

2.5%Yield5.0%

$259MAssets$66.6B

2–2level

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

Cost, Income and Risk

Fees: APMU, MMMA, SGOV, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SGOV0.09%$9

APMU0.35%$35

MMMA0.40%$40

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

Yields: APMU, MMMA, SGOV, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.71%$371

SGOV3.63%$363

APMU2.53%$253

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

APMU$253 − $35 = $218

KeptFee

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

Overlap: APMU, MMMA, SGOV, VCIT

Today

0.0%most shared, APMU and MMMA

APMUMMMASGOVVCIT

APMU—0.0%[…][…]

MMMA0.0%—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

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

APMUWorst drop−5.0%3.1% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

VCITMMMA

−0.8%Year to date+3.5%

5.0%Yield3.7%

+0.4%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026