Compare · 3 funds side by side · dividends reinvested

MMMA, BSMS and BND

MMMANY Life Investments×BSMSInvesco×BNDVanguard×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$10,148BSMS · best of the three

02 / 04

MMMA, BSMS and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Invesco BulletShares 2028 Municipal Bond ETFBonds & Cash · Municipal0.18%2.81%+1.4%+2.5%+4.2%+0.3%−3.0%2.0%$362M1.6

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%−0.0%+0.6%+5.2%−0.1%−4.5%4.0%$161B1.8

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.0

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: MMMA 2025 · BSMS 2019 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Total Bond Market ETF · $161B$9,974

BND

MMMA

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

$10,000 five years ago, dividends reinvested

BNDMeasureMMMA

−0.0%Year to dateJan 1 → Nov 6+3.5%

+0.6%1 yearTotal return[…]

+5.2%3 years · per year$10,000 became $11,637 · […][…]

−0.1%5 years · per year$10,000 became $9,974 · […][…]

0.03%Expense ratio$3 · $40 a year on $10k · lower is better0.40%

4.12%Trailing 12-mo yield$412 · $371 a year on $10k3.71%

−4.5%Worst dropSmaller is better[…]

4.0%VolatilityLower is calmer[…]

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

2–1BND wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

BND vs MMMA: Top 5 Holdings

Today

BND

[…]in top 5

MMMA

in top 50.8%

BNDStockMMMA

not top 5CASH0.8%

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

BND vs MMMA Returns, Every Period

VanguardBND

+0.6%

past year

MMMANY Life Investments

[…]

past year

BNDMMMAFaded: behind in that period

0–1MMMA wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

BND vs MMMA

YTD

VanguardBND

−0.0%

MMMANY Life Investments

+3.5%

−0.0%Year to date+3.5%

−4.5%Worst drop · 1Y[…]

4.0%Volatility · 1Y[…]

4.1%Yield3.7%

$161BAssets$59.8M

1–1level

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMMA, BSMS, BND

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

BSMS0.18%$18

MMMA0.40%$40

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: MMMA, BSMS, BND

4.12%highest, BND

FundTrailing yieldYield$10k

BND4.12%$412

MMMA3.71%$371

BSMS2.81%$281

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

MMMA$371 − $40 = $331

BSMS$281 − $18 = $263

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: MMMA, BSMS, BND

Today

[…]holdings […]

MMMABSMSBND

MMMA—[…][…]

BSMS[…]—[…]

BND[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+2.5%BSMS, at 2.0% volatility

BSMSWorst drop−3.0%2.0% vol

BNDWorst drop−4.5%4.0% vol

MMMAWorst drop[…][…]

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

BNDMMMA

−0.0%Year to date+3.5%

4.1%Yield3.7%

+0.6%Past year[…]

0.03%Fee0.40%

2–1BND wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

BND vs AGG

YTD

VanguardBND

−0.0%

AGGiShares

−0.0%

−0.0%Year to date−0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026