Compare · 4 funds side by side · dividends reinvested

MMMA, SHM, BNDX and VCIT

MMMANY Life Investments×SHMSPDR×BNDXVanguard×VCITVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$10,564SHM · best of the four

02 / 04

MMMA, SHM, BNDX and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.0%+3.4%+1.1%−2.7%1.8%$3.5B2.0

Vanguard Total International Bond ETFBonds & Cash · International0.07%4.64%+0.8%+0.4%+4.5%+0.4%−3.2%3.8%$82.9B2.3

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.3

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$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 6, 2026 · returns include dividends · since: MMMA 2025 · SHM 2007 · BNDX 2013 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

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

MMMA

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,564

$10,000 five years ago, dividends reinvested

MMMAMeasureSHM

+3.5%Year to dateJan 1 → Nov 6+1.4%

[…]1 yearTotal return+2.0%

[…]3 years · per year$10,000 became […] · $11,042+3.4%

[…]5 years · per year$10,000 became […] · $10,564+1.1%

0.40%Expense ratio$40 · $20 a year on $10k · lower is better0.20%

3.71%Trailing 12-mo yield$371 · $270 a year on $10k2.70%

[…]Worst dropSmaller is better−2.7%

[…]VolatilityLower is calmer1.8%

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

2–1MMMA wins

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

More Ways to See the Pairs

MMMA vs SHM: Top 5 Holdings

Today

MMMA

0.8%in top 5

SHM

in top 5[…]

MMMAStockSHM

0.8%CASHnot top 5

Held in common[…]

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

MMMA vs SHM Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

SHMSPDR

+2.0%

past year

MMMASHMFaded: behind in that period

1–0MMMA wins

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

MMMA vs VCIT

YTD

NY Life InvestmentsMMMA

+3.5%

VCITVanguard

−0.8%

+3.5%Year to date−0.8%

[…]Worst drop · 1Y−4.9%

[…]Volatility · 1Y4.5%

3.7%Yield5.0%

$59.8MAssets$66.6B

1–1level

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

Cost, Income and Risk

Fees: MMMA, SHM, BNDX, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

BNDX0.07%$7

SHM0.20%$20

MMMA0.40%$40

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

Yields: MMMA, SHM, BNDX, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

BNDX4.64%$464

MMMA3.71%$371

SHM2.70%$270

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BNDX$464 − $7 = $457

MMMA$371 − $40 = $331

SHM$270 − $20 = $250

KeptFee

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

Overlap: MMMA, SHM, BNDX, VCIT

Today

[…]holdings […]

MMMASHMBNDXVCIT

MMMA—[…][…][…]

SHM[…]—[…][…]

BNDX[…][…]—[…]

VCIT[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+2.0%SHM, at 1.8% volatility

SHMWorst drop−2.7%1.8% vol

BNDXWorst drop−3.2%3.8% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

VCITMMMA

−0.8%Year to date+3.5%

5.0%Yield3.7%

+0.4%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

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

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026