Compare · 2 funds side by side · dividends reinvested

MMSD and SGOV

MMSDNY Life Investments×SGOViShares×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$12,086SGOV · best of the two

02 / 04

MMSD 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%$117B1.0

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.63%+1.8%+2.5%[…][…]−2.5%2.2%$87M2.0

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: MMSD 2025 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Short Duration ETF · $87M[…]

MMSD

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,086

$10,000 five years ago, dividends reinvested

MMSDMeasureSGOV

+1.8%Year to dateJan 1 → Nov 4+3.1%

+2.5%1 yearTotal return+3.7%

[…]3 years · per year$10,000 became […] · $11,419+4.5%

[…]5 years · per year$10,000 became […] · $12,086+3.9%

0.25%Expense ratio$25 · $9 a year on $10k · lower is better0.09%

3.63%Trailing 12-mo yield$363 · $363 a year on $10k3.63%

−2.5%Worst dropSmaller is better0.0%

2.2%VolatilityLower is calmer0.2%

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

0–5SGOV wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

MMSD vs SGOV: Top 5 Holdings

Today

MMSD

-0.8%in top 5

SGOV

in top 5[…]

MMSDStockSGOV

-0.8%CASHnot top 5

Held in common[…]

End-of-day Nov 4, 2026 · share of each fund

MMSD vs SGOV Returns, Every Period

NY Life InvestmentsMMSD

+2.5%

past year

SGOViShares

+3.7%

past year

MMSDSGOVFaded: behind in that period

0–2SGOV wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

MMSD vs SGOV

YTD

NY Life InvestmentsMMSD

+1.8%

SGOViShares

+3.1%

+1.8%Year to date+3.1%

−2.5%Worst drop · 1Y+0.0%

2.2%Volatility · 1Y0.2%

3.6%Yield3.6%

$87.2MAssets$117B

3–0SGOV wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMSD, SGOV

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

MMSD0.25%$25

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: MMSD, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

MMSD3.63%$363

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMSD$363 − $25 = $338

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: MMSD, SGOV

Today

[…]holdings […]

MMSDSGOV

MMSD—[…]

SGOV[…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

MMSDWorst drop−2.5%2.2% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

SGOVMMSD

+3.1%Year to date+1.8%

3.6%Yield3.6%

+3.7%Past year+2.5%

0.09%Fee0.25%

3–0SGOV wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

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 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026