Compare · 3 funds side by side · dividends reinvested

MMMA, SUB and BNDX

MMMANY Life Investments×SUBiShares×BNDXVanguard×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$10,860SUB · best of the three

02 / 04

MMMA, SUB and BNDX, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.57%+1.6%+2.5%+3.4%+1.7%−1.9%1.4%$13.4B1.5

Vanguard Total International Bond ETFBonds & Cash · International0.07%4.64%+0.8%+0.4%+4.5%+0.4%−3.2%3.8%$82.9B1.8

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 6, 2026 · returns include dividends · since: MMMA 2025 · SUB 2008 · BNDX 2013

Head to Head

Swap sides Versus in desk

Head to Head

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

MMMA

SUB

iShares Short-Term National Muni Bond ETF · $13.4B$10,860

$10,000 five years ago, dividends reinvested

MMMAMeasureSUB

+3.5%Year to dateJan 1 → Nov 6+1.6%

[…]1 yearTotal return+2.5%

[…]3 years · per year$10,000 became […] · $11,045+3.4%

[…]5 years · per year$10,000 became […] · $10,860+1.7%

0.40%Expense ratio$40 · $7 a year on $10k · lower is better0.07%

3.71%Trailing 12-mo yield$371 · $257 a year on $10k2.57%

[…]Worst dropSmaller is better−1.9%

[…]VolatilityLower is calmer1.4%

MMMASUB 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 SUB: Top 5 Holdings

Today

MMMA

0.8%in top 5

SUB

in top 5[…]

MMMAStockSUB

0.8%CASHnot top 5

Held in common[…]

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

MMMA vs SUB Returns, Every Period

NY Life InvestmentsMMMA

[…]

past year

SUBiShares

+2.5%

past year

MMMASUBFaded: behind in that period

1–0MMMA wins

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

MMMA vs BNDX

YTD

NY Life InvestmentsMMMA

+3.5%

BNDXVanguard

+0.8%

+3.5%Year to date+0.8%

[…]Worst drop · 1Y−3.2%

[…]Volatility · 1Y3.8%

3.7%Yield4.6%

$59.8MAssets$82.9B

1–1level

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

Cost, Income and Risk

Fees: MMMA, SUB, BNDX

Today

0.07%lowest, SUB

FundExpense ratioFee$10k

SUB0.07%$7

BNDX0.07%$7

MMMA0.40%$40

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

Yields: MMMA, SUB, BNDX

4.64%highest, BNDX

FundTrailing yieldYield$10k

BNDX4.64%$464

MMMA3.71%$371

SUB2.57%$257

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

Income After Fees on $10,000

$457most kept, BNDX

BNDX$464 − $7 = $457

MMMA$371 − $40 = $331

SUB$257 − $7 = $250

KeptFee

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

Overlap: MMMA, SUB, BNDX

Today

[…]holdings […]

MMMASUBBNDX

MMMA—[…][…]

SUB[…]—[…]

BNDX[…][…]—

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

Return vs Bumpiness: 3 ETFs

+2.5%SUB, at 1.4% volatility

SUBWorst drop−1.9%1.4% vol

BNDXWorst drop−3.2%3.8% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

BNDXMMMA

+0.8%Year to date+3.5%

4.6%Yield3.7%

+0.4%Past year[…]

0.07%Fee0.40%

2–1BNDX wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

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