Compare · 4 funds side by side · dividends reinvested

MLN, MMMA, SGOV and VCIT

MLNVanEck×MMMANY Life Investments×SGOViShares×VCITVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,091SGOV · best of the four

02 / 04

MLN, 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%$116B1.9

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.0

VanEck Long Muni ETFBonds & Cash · Municipal0.24%3.97%+0.6%+0.6%+5.0%−1.1%−8.6%5.7%$764M2.6

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.7

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: MLN 2008 · MMMA 2025 · SGOV 2020 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

VanEck Long Muni ETF · $764M$9,468

MLN

MMMA

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

$10,000 five years ago, dividends reinvested

MLNMeasureMMMA

+0.6%Year to dateJan 1 → Nov 9+3.5%

+0.6%1 yearTotal return[…]

+5.0%3 years · per year$10,000 became $11,564 · […][…]

−1.1%5 years · per year$10,000 became $9,468 · […][…]

0.24%Expense ratio$24 · $40 a year on $10k · lower is better0.40%

3.97%Trailing 12-mo yield$397 · $371 a year on $10k3.71%

−8.6%Worst dropSmaller is better[…]

5.7%VolatilityLower is calmer[…]

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

2–1MLN wins

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

More Ways to See the Pairs

MLN vs MMMA: Top 5 Holdings

Today

MLN

[…]in top 5

MMMA

in top 50.3%

MLNStockMMMA

not top 5CASH0.3%

Held in common[…]

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

MLN vs MMMA Returns, Every Period

VanEckMLN

+0.6%

past year

MMMANY Life Investments

[…]

past year

MLNMMMAFaded: behind in that period

0–1MMMA wins

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

MLN vs VCIT

YTD

VanEckMLN

+0.6%

VCITVanguard

−0.7%

+0.6%Year to date−0.7%

−8.6%Worst drop · 1Y−4.9%

5.7%Volatility · 1Y4.5%

4.0%Yield5.0%

$764MAssets$66.6B

3–1VCIT wins

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

Cost, Income and Risk

Fees: MLN, MMMA, SGOV, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SGOV0.09%$9

MLN0.24%$24

MMMA0.40%$40

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

Yields: MLN, MMMA, SGOV, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MLN3.97%$397

MMMA3.71%$371

SGOV3.63%$363

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

MLN$397 − $24 = $373

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

KeptFee

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

Overlap: MLN, MMMA, SGOV, VCIT

Today

[…]holdings […]

MLNMMMASGOVVCIT

MLN—[…][…][…]

MMMA[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 9, 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

VCITWorst drop−4.9%4.5% vol

MLNWorst drop−8.6%5.7% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

VCITMMMA

−0.7%Year to date+3.5%

5.0%Yield3.7%

+0.0%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 9, 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%

$116BAssets$48.7B

1–1level

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%

$122BAssets$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