Compare · 3 funds side by side · dividends reinvested

ITM, MMMA and SGOV

ITMVanEck×MMMANY Life Investments×SGOViShares×

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

02 / 04

ITM, 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%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.4

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M1.7

VanEck Intermediate Muni ETFBonds & Cash · Municipal0.18%3.07%+0.2%+1.3%+4.8%+0.6%−7.4%3.8%$2.3B2.1

Rank among the three1st → 3rdFee, 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: ITM 2007 · MMMA 2025 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

VanEck Intermediate Muni ETF · $2.3B$10,281

ITM

MMMA

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

$10,000 five years ago, dividends reinvested

ITMMeasureMMMA

+0.2%Year to dateJan 1 → Nov 6+3.5%

+1.3%1 yearTotal return[…]

+4.8%3 years · per year$10,000 became $11,527 · […][…]

+0.6%5 years · per year$10,000 became $10,281 · […][…]

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

3.07%Trailing 12-mo yield$307 · $371 a year on $10k3.71%

−7.4%Worst dropSmaller is better[…]

3.8%VolatilityLower is calmer[…]

ITMMMMA 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

ITM vs MMMA: Top 5 Holdings

Today

ITM

[…]in top 5

MMMA

in top 50.8%

ITMStockMMMA

not top 5CASH0.8%

Held in common[…]

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

ITM vs MMMA Returns, Every Period

VanEckITM

+1.3%

past year

MMMANY Life Investments

[…]

past year

ITMMMMAFaded: behind in that period

0–1MMMA wins

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

ITM vs MMMA

YTD

VanEckITM

+0.2%

MMMANY Life Investments

+3.5%

+0.2%Year to date+3.5%

−7.4%Worst drop · 1Y[…]

3.8%Volatility · 1Y[…]

3.1%Yield3.7%

$2.3BAssets$59.8M

2–0MMMA wins

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

Cost, Income and Risk

Fees: ITM, MMMA, SGOV

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

ITM0.18%$18

MMMA0.40%$40

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

Yields: ITM, MMMA, SGOV

3.71%highest, MMMA

FundTrailing yieldYield$10k

MMMA3.71%$371

SGOV3.63%$363

ITM3.07%$307

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

ITM$307 − $18 = $289

KeptFee

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

Overlap: ITM, MMMA, SGOV

Today

[…]holdings […]

ITMMMMASGOV

ITM—[…][…]

MMMA[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

ITMWorst drop−7.4%3.8% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

MMMASGOV

+3.5%Year to date+3.2%

3.7%Yield3.6%

[…]Past year+3.8%

0.40%Fee0.09%

2–1MMMA wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

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

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%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026