Compare · 3 funds side by side · dividends reinvested

MMSD, SCHD and BND

MMSDNY Life Investments×SCHDSchwab×BNDVanguard×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,459SCHD · best of the three

02 / 04

MMSD, SCHD and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.62%+2.1%+2.7%[…][…]−2.5%2.2%$88M1.8

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$120B1.9

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%+0.0%+0.3%+5.0%−0.0%−4.5%4.0%$161B2.0

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: MMSD 2025 · SCHD 2011 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Total Bond Market ETF · $161B$9,985

BND

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,459

$10,000 five years ago, dividends reinvested

BNDMeasureSCHD

+0.0%Year to dateJan 1 → Nov 9+33.2%

+0.3%1 yearTotal return+39.1%

+5.0%3 years · per year$10,000 became $11,576 · $17,123+19.6%

−0.0%5 years · per year$10,000 became $9,985 · $16,459+10.5%

0.03%Expense ratio$3 · $6 a year on $10k · lower is better0.06%

4.12%Trailing 12-mo yield$412 · $296 a year on $10k2.96%

−4.5%Worst dropSmaller is better−6.9%

4.0%VolatilityLower is calmer11.8%

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

4–4Level

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

More Ways to See the Pairs

BND vs SCHD: Top 5 Holdings

Today

BND

[…]in top 5

SCHD

in top 521.4%

BNDStockSCHD

not top 5PG4.4%

not top 5TXN4.3%

not top 5KO4.3%

not top 5HD4.3%

not top 5AMGN4.1%

Held in common[…]

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

BND vs SCHD Returns, Every Period

VanguardBND

−0.0%

5 years, per year

SCHDSchwab

+10.5%

5 years, per year

BNDSCHDFaded: behind in that period

0–4SCHD wins

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

BND vs MMSD

YTD

VanguardBND

+0.0%

MMSDNY Life Investments

+2.1%

+0.0%Year to date+2.1%

−4.5%Worst drop · 1Y−2.5%

4.0%Volatility · 1Y2.2%

4.1%Yield3.6%

$161BAssets$88.0M

3–1MMSD wins

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

Cost, Income and Risk

Fees: MMSD, SCHD, BND

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

SCHD0.06%$6

MMSD0.25%$25

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

Yields: MMSD, SCHD, BND

4.12%highest, BND

FundTrailing yieldYield$10k

BND4.12%$412

MMSD3.62%$362

SCHD2.96%$296

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

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

MMSD$362 − $25 = $337

SCHD$296 − $6 = $290

KeptFee

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

Overlap: MMSD, SCHD, BND

Today

0.0%most shared, MMSD and SCHD

MMSDSCHDBND

MMSD—0.0%[…]

SCHD0.0%—[…]

BND[…][…]—

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

Return vs Bumpiness: 3 ETFs

+39.1%SCHD, at 11.8% volatility

MMSDWorst drop−2.5%2.2% vol

BNDWorst drop−4.5%4.0% vol

SCHDWorst drop−6.9%11.8% vol

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

Paid More vs Made More

YTD

BNDSCHD

+0.0%Year to date+33.2%

4.1%Yield3.0%

+0.3%Past year+39.1%

0.03%Fee0.06%

2–2level

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

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

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