Compare · 3 funds side by side · dividends reinvested

BSMS, MMMA and SGOV

BSMSInvesco×MMMANY Life Investments×SGOViShares×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,086SGOV · best of the three

02 / 04

BSMS, MMMA and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B1.1

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.73%+2.7%[…][…][…][…][…]$60M2.0

Invesco BulletShares 2028 Municipal Bond ETFBonds & Cash · Municipal0.18%2.82%+1.3%+2.2%+4.3%+0.3%−3.0%2.0%$362M2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: BSMS 2019 · MMMA 2025 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Invesco BulletShares 2028 Municipal Bond ETF · $362M$10,140

BSMS

MMMA

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

$10,000 five years ago, dividends reinvested

BSMSMeasureMMMA

+1.3%Year to dateJan 1 → Nov 5+2.7%

+2.2%1 yearTotal return[…]

+4.3%3 years · per year$10,000 became $11,330 · […][…]

+0.3%5 years · per year$10,000 became $10,140 · […][…]

0.18%Expense ratio$18 · $40 a year on $10k · lower is better0.40%

2.82%Trailing 12-mo yield$282 · $373 a year on $10k3.73%

−3.0%Worst dropSmaller is better[…]

2.0%VolatilityLower is calmer[…]

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

1–2MMMA wins

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

More Ways to See the Pairs

BSMS vs MMMA: Top 5 Holdings

Today

BSMS

[…]in top 5

MMMA

in top 50.1%

BSMSStockMMMA

not top 5CASH0.1%

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

BSMS vs MMMA Returns, Every Period

InvescoBSMS

+2.2%

past year

MMMANY Life Investments

[…]

past year

BSMSMMMAFaded: behind in that period

0–1MMMA wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

BSMS vs MMMA

YTD

InvescoBSMS

+1.3%

MMMANY Life Investments

+2.7%

+1.3%Year to date+2.7%

−3.0%Worst drop · 1Y[…]

2.0%Volatility · 1Y[…]

2.8%Yield3.7%

$362MAssets$59.8M

2–0MMMA wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: BSMS, MMMA, SGOV

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

BSMS0.18%$18

MMMA0.40%$40

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: BSMS, MMMA, SGOV

3.73%highest, MMMA

FundTrailing yieldYield$10k

MMMA3.73%$373

SGOV3.63%$363

BSMS2.82%$282

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMMA$373 − $40 = $333

BSMS$282 − $18 = $264

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: BSMS, MMMA, SGOV

Today

[…]holdings […]

BSMSMMMASGOV

BSMS—[…][…]

MMMA[…]—[…]

SGOV[…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

BSMSWorst drop−3.0%2.0% vol

MMMAWorst drop[…][…]

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

MMMASGOV

+2.7%Year to date+3.1%

3.7%Yield3.6%

[…]Past year+3.7%

0.40%Fee0.09%

2–1SGOV wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026