Compare · 3 funds side by side · dividends reinvested

MMMA, BSMS and SGOV

MMMANY Life Investments×BSMSInvesco×SGOViShares×

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

02 / 04

MMMA, BSMS 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%$117B1.1

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.74%+2.6%[…][…][…][…][…]$60M2.0

Invesco BulletShares 2028 Municipal Bond ETFBonds & Cash · Municipal0.18%2.82%+1.2%+2.3%+4.2%+0.3%−3.0%2.0%$359M2.3

Rank among the three1st → 3rdFee, 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 · BSMS 2019 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

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

MMMA

BSMS

Invesco BulletShares 2028 Municipal Bond ETF · $359M$10,135

$10,000 five years ago, dividends reinvested

MMMAMeasureBSMS

+2.6%Year to dateJan 1 → Nov 4+1.2%

[…]1 yearTotal return+2.3%

[…]3 years · per year$10,000 became […] · $11,320+4.2%

[…]5 years · per year$10,000 became […] · $10,135+0.3%

0.40%Expense ratio$40 · $18 a year on $10k · lower is better0.18%

3.74%Trailing 12-mo yield$374 · $282 a year on $10k2.82%

[…]Worst dropSmaller is better−3.0%

[…]VolatilityLower is calmer2.0%

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

2–1MMMA 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 BSMS: Top 5 Holdings

Today

MMMA

0.2%in top 5

BSMS

in top 5[…]

MMMAStockBSMS

0.2%CASHnot top 5

Held in common[…]

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

MMMA vs BSMS Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

BSMSInvesco

+2.3%

past year

MMMABSMSFaded: behind in that period

1–0MMMA wins

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

MMMA vs SGOV

YTD

NY Life InvestmentsMMMA

+2.6%

SGOViShares

+3.1%

+2.6%Year to date+3.1%

[…]Worst drop · 1Y+0.0%

[…]Volatility · 1Y0.2%

3.7%Yield3.6%

$59.6MAssets$117B

1–1level

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

Cost, Income and Risk

Fees: MMMA, BSMS, SGOV

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

BSMS0.18%$18

MMMA0.40%$40

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

Yields: MMMA, BSMS, SGOV

3.74%highest, MMMA

FundTrailing yieldYield$10k

MMMA3.74%$374

SGOV3.63%$363

BSMS2.82%$282

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMMA$374 − $40 = $334

BSMS$282 − $18 = $264

KeptFee

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

Overlap: MMMA, BSMS, SGOV

Today

[…]holdings […]

MMMABSMSSGOV

MMMA—[…][…]

BSMS[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

BSMSWorst drop−3.0%2.0% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

MMMASGOV

+2.6%Year to date+3.1%

3.7%Yield3.6%

[…]Past year+3.7%

0.40%Fee0.09%

2–1SGOV wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

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 4, 2026

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 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%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026