Compare · 2 funds side by side · dividends reinvested

MMCA and SCHD

MMCANY Life Investments×SCHDSchwab×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$16,375SCHD · best of the two

02 / 04

MMCA and SCHD, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.91%+35.3%+41.6%+21.4%+11.0%−6.9%11.5%$123B1.4

NYLI MacKay California Muni Intermediate ETFBonds & Cash · Municipal0.45%3.33%+0.1%+0.6%+4.8%[…]−6.6%3.3%$104M1.6

Rank among the two1st → 2ndFee, 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: MMCA 2021 · SCHD 2011

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay California Muni Intermediate ETF · $104M[…]

MMCA

SCHD

Schwab U.S. Dividend Equity ETF · $123B$16,375

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

MMCAMeasureSCHD

+0.1%Year to dateJan 1 → Nov 5+35.3%

+0.6%1 yearTotal return+41.6%

+4.8%3 years · per year$10,000 became $11,517 · $17,908+21.4%

[…]5 years · per year$10,000 became […] · $16,881+11.0%

0.45%Expense ratio$45 · $6 a year on $10k · lower is better0.06%

3.33%Trailing 12-mo yield$333 · $291 a year on $10k2.91%

−6.6%Worst dropSmaller is better−6.9%

3.3%VolatilityLower is calmer11.5%

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

3–4SCHD wins

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

More Ways to See the Pairs

MMCA vs SCHD: Top 5 Holdings

Today

MMCA

0.8%in top 5

SCHD

in top 521.7%

MMCAStockSCHD

not top 5TXN4.7%

not top 5PG4.4%

not top 5HD4.3%

not top 5KO4.2%

not top 5AMGN4.2%

0.8%CASHnot top 5

Held in common0.0%

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

MMCA vs SCHD Returns, Every Period

NY Life InvestmentsMMCA

+0.6%

past year

SCHDSchwab

+41.6%

past year

MMCASCHDFaded: behind in that period

0–3SCHD wins

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

Bonds vs Income: MMCA vs SCHD

YTD

NY Life InvestmentsMMCA

+0.1%

SCHDSchwab

+35.3%

+0.1%Year to date+35.3%

−6.6%Worst drop · 1Y−6.9%

3.3%Volatility · 1Y11.5%

3.3%Yield2.9%

$104MAssets$123B

3–1MMCA wins

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

Cost, Income and Risk

Fees: MMCA, SCHD

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

MMCA0.45%$45

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

Yields: MMCA, SCHD

3.33%highest, MMCA

FundTrailing yieldYield$10k

MMCA3.33%$333

SCHD2.91%$291

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

Income After Fees on $10,000

$288most kept, MMCA

MMCA$333 − $45 = $288

SCHD$291 − $6 = $285

KeptFee

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

Overlap: MMCA, SCHD

Today

0.0%most shared, MMCA and SCHD

MMCASCHD

MMCA—0.0%

SCHD0.0%—

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

Return vs Bumpiness: 2 ETFs

+41.6%SCHD, at 11.5% volatility

MMCAWorst drop−6.6%3.3% vol

SCHDWorst drop−6.9%11.5% vol

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

Paid More vs Made More

YTD

MMCASCHD

+0.1%Year to date+35.3%

3.3%Yield2.9%

+0.6%Past year+41.6%

0.45%Fee0.06%

3–1SCHD wins

End-of-day Nov 5, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 5, 2026