Compare · 2 funds side by side · dividends reinvested

MMMA and BND

MMMANY Life Investments×BNDVanguard×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$9,950BND · best of the two

02 / 03

MMMA and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.13%−0.1%+0.3%+5.5%−0.1%−4.5%4.0%$161B1.1

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.74%+2.6%[…][…][…][…][…]$59M1.7

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: MMMA 2025 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Allocation ETF · $59M[…]

MMMA

BND

Vanguard Total Bond Market ETF · $161B$9,950

$10,000 five years ago, dividends reinvested

MMMAMeasureBND

+2.6%Year to dateJan 1 → Nov 4−0.1%

[…]1 yearTotal return+0.3%

[…]3 years · per year$10,000 became […] · $11,733+5.5%

[…]5 years · per year$10,000 became […] · $9,950−0.1%

0.40%Expense ratio$40 · $3 a year on $10k · lower is better0.03%

3.74%Trailing 12-mo yield$374 · $413 a year on $10k4.13%

[…]Worst dropSmaller is better−4.5%

[…]VolatilityLower is calmer4.0%

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

1–2BND wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

MMMA vs BND: Top 5 Holdings

Today

MMMA

0.2%in top 5

BND

in top 5[…]

MMMAStockBND

0.2%CASHnot top 5

Held in common[…]

End-of-day Nov 4, 2026 · share of each fund

MMMA vs BND Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

BNDVanguard

+0.3%

past year

MMMABNDFaded: behind in that period

1–0MMMA wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

MMMA vs BND

YTD

NY Life InvestmentsMMMA

+2.6%

BNDVanguard

−0.1%

+2.6%Year to date−0.1%

[…]Worst drop · 1Y−4.5%

[…]Volatility · 1Y4.0%

3.7%Yield4.1%

$59.3MAssets$161B

1–1level

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMMA, BND

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

MMMA0.40%$40

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: MMMA, BND

4.13%highest, BND

FundTrailing yieldYield$10k

BND4.13%$413

MMMA3.74%$374

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$410most kept, BND

BND$413 − $3 = $410

MMMA$374 − $40 = $334

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: MMMA, BND

Today

[…]holdings […]

MMMABND

MMMA—[…]

BND[…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+0.3%BND, at 4.0% volatility

BNDWorst drop−4.5%4.0% vol

MMMAWorst drop[…][…]

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

BNDMMMA

−0.1%Year to date+2.6%

4.1%Yield3.7%

+0.3%Past year[…]

0.03%Fee0.40%

2–1BND wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

BND vs AGG

YTD

VanguardBND

−0.1%

AGGiShares

−0.2%

−0.1%Year to date−0.2%

4.1%Yield4.1%

$161BAssets$139B

1–0BND wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 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%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026