Compare · 3 funds side by side · dividends reinvested

MMIT, SUB and SGOV

MMITNY Life Investments×SUBiShares×SGOViShares×

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

02 / 04

MMIT, SUB 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%$117B1.3

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.57%+1.6%+2.4%+3.3%+1.7%−1.9%1.4%$13.4B2.1

NYLI MacKay Muni Intermediate ETFBonds & Cash · Municipal0.40%3.67%+1.3%+1.7%+4.4%+1.2%−5.9%3.2%$1.7B2.6

Rank among the three1st → 3rdFee, 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: MMIT 2017 · SUB 2008 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Intermediate ETF · $1.7B$10,627

MMIT

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,091

$10,000 five years ago, dividends reinvested

MMITMeasureSGOV

+1.3%Year to dateJan 1 → Nov 9+3.2%

+1.7%1 yearTotal return+3.8%

+4.4%3 years · per year$10,000 became $11,386 · $11,417+4.5%

+1.2%5 years · per year$10,000 became $10,627 · $12,091+3.9%

0.40%Expense ratio$40 · $9 a year on $10k · lower is better0.09%

3.67%Trailing 12-mo yield$367 · $363 a year on $10k3.63%

−5.9%Worst dropSmaller is better0.0%

3.2%VolatilityLower is calmer0.2%

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

1–7SGOV wins

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

More Ways to See the Pairs

MMIT vs SGOV: Top 5 Holdings

Today

MMIT

0.4%in top 5

SGOV

in top 5[…]

MMITStockSGOV

0.4%CASHnot top 5

Held in common[…]

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

MMIT vs SGOV Returns, Every Period

NY Life InvestmentsMMIT

+1.2%

5 years, per year

SGOViShares

+3.9%

5 years, per year

MMITSGOVFaded: behind in that period

0–4SGOV wins

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

MMIT vs SGOV

YTD

NY Life InvestmentsMMIT

+1.3%

SGOViShares

+3.2%

+1.3%Year to date+3.2%

−5.9%Worst drop · 1Y+0.0%

3.2%Volatility · 1Y0.2%

3.7%Yield3.6%

$1.7BAssets$117B

3–1SGOV wins

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

Cost, Income and Risk

Fees: MMIT, SUB, SGOV

Today

0.07%lowest, SUB

FundExpense ratioFee$10k

SUB0.07%$7

SGOV0.09%$9

MMIT0.40%$40

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

Yields: MMIT, SUB, SGOV

3.67%highest, MMIT

FundTrailing yieldYield$10k

MMIT3.67%$367

SGOV3.63%$363

SUB2.57%$257

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMIT$367 − $40 = $327

SUB$257 − $7 = $250

KeptFee

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

Overlap: MMIT, SUB, SGOV

Today

[…]holdings […]

MMITSUBSGOV

MMIT—[…][…]

SUB[…]—[…]

SGOV[…][…]—

End-of-day Nov 9, 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

SUBWorst drop−1.9%1.4% vol

MMITWorst drop−5.9%3.2% vol

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

Paid More vs Made More

YTD

MMITSGOV

+1.3%Year to date+3.2%

3.7%Yield3.6%

+1.7%Past year+3.8%

0.40%Fee0.09%

3–1SGOV wins

End-of-day Nov 9, 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$48.7B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.1%

VIGVanguard

+14.8%

+33.1%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