Compare · 4 funds side by side · dividends reinvested

MMMA, SHM, MUB and AGG

MMMANY Life Investments×SHMSPDR×MUBiShares×AGGiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$10,571SHM · best of the four

02 / 04

MMMA, SHM, MUB and AGG, 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%+2.1%+3.3%+1.1%−2.7%1.8%$3.5B2.0

iShares Core U.S. Aggregate Bond ETFBonds & Cash · Core aggregate0.03%4.12%+0.0%+0.3%+5.0%−0.0%−4.6%4.1%$139B2.3

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.3

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.26%+0.7%+1.1%+4.1%+0.8%−6.3%3.7%$55.1B2.4

Rank among the four1st → 4thFee, 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 · SHM 2007 · MUB 2007 · AGG 2003

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$10,571

$10,000 five years ago, dividends reinvested

MMMAMeasureSHM

+3.5%Year to dateJan 1 → Nov 9+1.4%

[…]1 yearTotal return+2.1%

[…]3 years · per year$10,000 became […] · $11,019+3.3%

[…]5 years · per year$10,000 became […] · $10,571+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 9, 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

0.3%in top 5

SHM

in top 5[…]

MMMAStockSHM

0.3%CASHnot top 5

Held in common[…]

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

MMMA vs SHM Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

SHMSPDR

+2.1%

past year

MMMASHMFaded: behind in that period

1–0MMMA wins

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

MMMA vs AGG

YTD

NY Life InvestmentsMMMA

+3.5%

AGGiShares

+0.0%

+3.5%Year to date+0.0%

[…]Worst drop · 1Y−4.6%

[…]Volatility · 1Y4.1%

3.7%Yield4.1%

$60.0MAssets$139B

1–1level

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

Cost, Income and Risk

Fees: MMMA, SHM, MUB, AGG

Today

0.03%lowest, AGG

FundExpense ratioFee$10k

AGG0.03%$3

MUB0.05%$5

SHM0.20%$20

MMMA0.40%$40

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

Yields: MMMA, SHM, MUB, AGG

4.12%highest, AGG

FundTrailing yieldYield$10k

AGG4.12%$412

MMMA3.71%$371

MUB3.26%$326

SHM2.70%$270

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

Income After Fees on $10,000

$409most kept, AGG

AGG$412 − $3 = $409

MMMA$371 − $40 = $331

MUB$326 − $5 = $321

SHM$270 − $20 = $250

KeptFee

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

Overlap: MMMA, SHM, MUB, AGG

Today

[…]holdings […]

MMMASHMMUBAGG

MMMA—[…][…][…]

SHM[…]—[…][…]

MUB[…][…]—[…]

AGG[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+2.1%SHM, at 1.8% volatility

SHMWorst drop−2.7%1.8% vol

MUBWorst drop−6.3%3.7% vol

AGGWorst drop−4.6%4.1% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

AGGMMMA

+0.0%Year to date+3.5%

4.1%Yield3.7%

+0.3%Past year[…]

0.03%Fee0.40%

2–1AGG wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

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 9, 2026

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