Compare · 4 funds side by side · dividends reinvested

MMMA, SCMB, VCIT and SGOV

MMMANY Life Investments×SCMBSchwab×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

MMMA, SCMB, 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%$117B1.6

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.6%+0.3%+7.3%+1.0%−4.9%4.5%$66.6B2.1

Schwab Municipal Bond ETFBonds & Cash · Municipal0.03%3.61%+0.0%+0.4%+4.4%[…]−6.7%3.8%$4.1B2.6

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.73%+2.7%[…][…][…][…][…]$60M2.7

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: MMMA 2025 · SCMB 2022 · VCIT 2009 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

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

MMMA

SCMB

Schwab Municipal Bond ETF · $4.1B[…]

$10,000 five years ago, dividends reinvested

MMMAMeasureSCMB

+2.7%Year to dateJan 1 → Nov 5+0.0%

[…]1 yearTotal return+0.4%

[…]3 years · per year$10,000 became […] · $11,395+4.4%

[…]5 years · per year[…]

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

3.73%Trailing 12-mo yield$373 · $361 a year on $10k3.61%

[…]Worst dropSmaller is better−6.7%

[…]VolatilityLower is calmer3.8%

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

2–1MMMA wins

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

More Ways to See the Pairs

MMMA vs SCMB: Top 5 Holdings

Today

MMMA

0.1%in top 5

SCMB

in top 5[…]

MMMAStockSCMB

0.1%CASHnot top 5

Held in common[…]

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

MMMA vs SCMB Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

SCMBSchwab

+0.4%

past year

MMMASCMBFaded: behind in that period

1–0MMMA wins

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

MMMA vs VCIT

YTD

NY Life InvestmentsMMMA

+2.7%

VCITVanguard

−0.6%

+2.7%Year to date−0.6%

[…]Worst drop · 1Y−4.9%

[…]Volatility · 1Y4.5%

3.7%Yield5.0%

$59.6MAssets$66.6B

1–1level

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

Cost, Income and Risk

Fees: MMMA, SCMB, VCIT, SGOV

Today

0.03%lowest, SCMB

FundExpense ratioFee$10k

SCMB0.03%$3

VCIT0.03%$3

SGOV0.09%$9

MMMA0.40%$40

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

Yields: MMMA, SCMB, VCIT, SGOV

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.73%$373

SGOV3.63%$363

SCMB3.61%$361

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SCMB$361 − $3 = $358

SGOV$363 − $9 = $354

MMMA$373 − $40 = $333

KeptFee

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

Overlap: MMMA, SCMB, VCIT, SGOV

Today

[…]holdings […]

MMMASCMBVCITSGOV

MMMA—[…][…][…]

SCMB[…]—[…][…]

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

SCMBWorst drop−6.7%3.8% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

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