Compare · 4 funds side by side · dividends reinvested

MMIT, SUB, VCIT and SGOV

MMITNY Life Investments×SUBiShares×VCITVanguard×SGOViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,086SGOV · best of the four

02 / 04

MMIT, SUB, VCIT 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%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B1.8

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.57%+1.6%+2.4%+3.4%+1.7%−1.9%1.4%$13.3B2.5

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.6%+0.3%+7.3%+1.0%−4.9%4.5%$66.6B2.8

NYLI MacKay Muni Intermediate ETFBonds & Cash · Municipal0.40%3.69%+0.8%+1.4%+4.6%+1.1%−5.9%3.1%$1.6B3.0

Rank among the four1st → 4thFee, 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: MMIT 2017 · SUB 2008 · VCIT 2009 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Intermediate ETF · $1.6B$10,569

MMIT

SUB

iShares Short-Term National Muni Bond ETF · $13.3B$10,853

$10,000 five years ago, dividends reinvested

MMITMeasureSUB

+0.8%Year to dateJan 1 → Nov 5+1.6%

+1.4%1 yearTotal return+2.4%

+4.6%3 years · per year$10,000 became $11,432 · $11,053+3.4%

+1.1%5 years · per year$10,000 became $10,569 · $10,853+1.7%

0.40%Expense ratio$40 · $7 a year on $10k · lower is better0.07%

3.69%Trailing 12-mo yield$369 · $257 a year on $10k2.57%

−5.9%Worst dropSmaller is better−1.9%

3.1%VolatilityLower is calmer1.4%

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

2–6SUB wins

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

More Ways to See the Pairs

MMIT vs SUB: Top 5 Holdings

Today

MMIT

1.3%in top 5

SUB

in top 5[…]

MMITStockSUB

1.3%CASHnot top 5

Held in common[…]

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

MMIT vs SUB Returns, Every Period

NY Life InvestmentsMMIT

+1.1%

5 years, per year

SUBiShares

+1.7%

5 years, per year

MMITSUBFaded: behind in that period

1–3SUB wins

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

MMIT vs VCIT

YTD

NY Life InvestmentsMMIT

+0.8%

VCITVanguard

−0.6%

+0.8%Year to date−0.6%

−5.9%Worst drop · 1Y−4.9%

3.1%Volatility · 1Y4.5%

3.7%Yield5.0%

$1.6BAssets$66.6B

2–2level

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

Cost, Income and Risk

Fees: MMIT, SUB, VCIT, SGOV

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SUB0.07%$7

SGOV0.09%$9

MMIT0.40%$40

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

Yields: MMIT, SUB, VCIT, SGOV

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMIT3.69%$369

SGOV3.63%$363

SUB2.57%$257

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

MMIT$369 − $40 = $329

SUB$257 − $7 = $250

KeptFee

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

Overlap: MMIT, SUB, VCIT, SGOV

Today

[…]holdings […]

MMITSUBVCITSGOV

MMIT—[…][…][…]

SUB[…]—[…][…]

VCIT[…][…]—[…]

SGOV[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

SUBWorst drop−1.9%1.4% vol

MMITWorst drop−5.9%3.1% vol

VCITWorst drop−4.9%4.5% vol

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

Paid More vs Made More

YTD

VCITSGOV

−0.6%Year to date+3.1%

5.0%Yield3.6%

+0.3%Past year+3.7%

0.03%Fee0.09%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026