Compare · 3 funds side by side · dividends reinvested

MMMA, IBMP and VCIT

MMMANY Life Investments×IBMPiShares×VCITVanguard×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$10,510VCIT · best of the three

02 / 04

MMMA, IBMP and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B1.6

iShares iBonds Dec 2027 Term Muni Bond ETFBonds & Cash · Municipal0.10%2.55%+1.8%+2.4%+3.6%+0.9%−0.6%1.0%$684M1.8

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 9, 2026 · returns include dividends · since: MMMA 2025 · IBMP 2019 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

iShares iBonds Dec 2027 Term Muni Bond ETF · $684M$10,450

IBMP

MMMA

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

$10,000 five years ago, dividends reinvested

IBMPMeasureMMMA

+1.8%Year to dateJan 1 → Nov 9+3.5%

+2.4%1 yearTotal return[…]

+3.6%3 years · per year$10,000 became $11,111 · […][…]

+0.9%5 years · per year$10,000 became $10,450 · […][…]

0.10%Expense ratio$10 · $40 a year on $10k · lower is better0.40%

2.55%Trailing 12-mo yield$255 · $371 a year on $10k3.71%

−0.6%Worst dropSmaller is better[…]

1.0%VolatilityLower is calmer[…]

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

1–2MMMA wins

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

More Ways to See the Pairs

IBMP vs MMMA: Top 5 Holdings

Today

IBMP

[…]in top 5

MMMA

in top 50.3%

IBMPStockMMMA

not top 5CASH0.3%

Held in common[…]

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

IBMP vs MMMA Returns, Every Period

iSharesIBMP

+2.4%

past year

MMMANY Life Investments

[…]

past year

IBMPMMMAFaded: behind in that period

0–1MMMA wins

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

IBMP vs VCIT

YTD

iSharesIBMP

+1.8%

VCITVanguard

−0.7%

+1.8%Year to date−0.7%

−0.6%Worst drop · 1Y−4.9%

1.0%Volatility · 1Y4.5%

2.6%Yield5.0%

$684MAssets$66.6B

3–1IBMP wins

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

Cost, Income and Risk

Fees: MMMA, IBMP, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

IBMP0.10%$10

MMMA0.40%$40

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

Yields: MMMA, IBMP, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.71%$371

IBMP2.55%$255

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

MMMA$371 − $40 = $331

IBMP$255 − $10 = $245

KeptFee

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

Overlap: MMMA, IBMP, VCIT

Today

[…]holdings […]

MMMAIBMPVCIT

MMMA—[…][…]

IBMP[…]—[…]

VCIT[…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+2.4%IBMP, at 1.0% volatility

IBMPWorst drop−0.6%1.0% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

VCITMMMA

−0.7%Year to date+3.5%

5.0%Yield3.7%

+0.0%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026