Compare · 4 funds side by side · dividends reinvested

JMUB, MMSD, VCIT and BND

JMUBJ.P. Morgan×MMSDNY Life Investments×VCITVanguard×BNDVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$10,643JMUB · best of the four

02 / 04

JMUB, MMSD, VCIT and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.62%+2.1%+2.7%[…][…]−2.5%2.2%$88M2.0

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%+0.0%+0.3%+5.0%−0.0%−4.5%4.0%$161B2.4

JPMorgan Municipal ETFBonds & Cash · Municipal0.18%3.78%+1.0%+1.4%+4.7%+1.3%−5.9%3.4%$9.2B2.5

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.5

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: JMUB 2018 · MMSD 2025 · VCIT 2009 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Short Duration ETF · $88M[…]

MMSD

BND

Vanguard Total Bond Market ETF · $161B$9,985

$10,000 five years ago, dividends reinvested

MMSDMeasureBND

+2.1%Year to dateJan 1 → Nov 9+0.0%

+2.7%1 yearTotal return+0.3%

[…]3 years · per year$10,000 became […] · $11,576+5.0%

[…]5 years · per year$10,000 became […] · $9,985−0.0%

0.25%Expense ratio$25 · $3 a year on $10k · lower is better0.03%

3.62%Trailing 12-mo yield$362 · $412 a year on $10k4.12%

−2.5%Worst dropSmaller is better−4.5%

2.2%VolatilityLower is calmer4.0%

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

4–2MMSD wins

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

More Ways to See the Pairs

MMSD vs BND: Top 5 Holdings

Today

MMSD

0.0%in top 5

BND

in top 5[…]

MMSDStockBND

0.0%CASHnot top 5

Held in common[…]

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

MMSD vs BND Returns, Every Period

NY Life InvestmentsMMSD

+2.7%

past year

BNDVanguard

+0.3%

past year

MMSDBNDFaded: behind in that period

2–0MMSD wins

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

MMSD vs VCIT

YTD

NY Life InvestmentsMMSD

+2.1%

VCITVanguard

−0.7%

+2.1%Year to date−0.7%

−2.5%Worst drop · 1Y−4.9%

2.2%Volatility · 1Y4.5%

3.6%Yield5.0%

$88.0MAssets$66.6B

3–1MMSD wins

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

Cost, Income and Risk

Fees: JMUB, MMSD, VCIT, BND

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

BND0.03%$3

JMUB0.18%$18

MMSD0.25%$25

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

Yields: JMUB, MMSD, VCIT, BND

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

BND4.12%$412

JMUB3.78%$378

MMSD3.62%$362

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

JMUB$378 − $18 = $360

MMSD$362 − $25 = $337

KeptFee

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

Overlap: JMUB, MMSD, VCIT, BND

Today

[…]holdings […]

JMUBMMSDVCITBND

JMUB—[…][…][…]

MMSD[…]—[…][…]

VCIT[…][…]—[…]

BND[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+2.7%MMSD, at 2.2% volatility

MMSDWorst drop−2.5%2.2% vol

JMUBWorst drop−5.9%3.4% vol

BNDWorst drop−4.5%4.0% vol

VCITWorst drop−4.9%4.5% vol

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

Paid More vs Made More

YTD

VCITMMSD

−0.7%Year to date+2.1%

5.0%Yield3.6%

+0.0%Past year+2.7%

0.03%Fee0.25%

2–2level

End-of-day Nov 9, 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 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%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