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$12,091SGOV · 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%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.0

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.62%+2.1%+2.7%[…][…]−2.5%2.2%$88M2.0

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

End-of-day Nov 9, 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 · $88M[…]

MMSD

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,091

$10,000 five years ago, dividends reinvested

MMSDMeasureSGOV

+2.1%Year to dateJan 1 → Nov 9+3.2%

+2.7%1 yearTotal return+3.8%

[…]3 years · per year$10,000 became […] · $11,417+4.5%

[…]5 years · per year$10,000 became […] · $12,091+3.9%

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

3.62%Trailing 12-mo yield$362 · $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

0–6SGOV wins

End-of-day Nov 9, 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

0.0%in top 5

SGOV

in top 5[…]

MMSDStockSGOV

0.0%CASHnot top 5

Held in common[…]

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

MMSD vs SGOV Returns, Every Period

NY Life InvestmentsMMSD

+2.7%

past year

SGOViShares

+3.8%

past year

MMSDSGOVFaded: behind in that period

0–2SGOV wins

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

MMSD vs SGOV

YTD

NY Life InvestmentsMMSD

+2.1%

SGOViShares

+3.2%

+2.1%Year to date+3.2%

−2.5%Worst drop · 1Y+0.0%

2.2%Volatility · 1Y0.2%

3.6%Yield3.6%

$88.0MAssets$117B

3–0SGOV wins

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

Yields: MMSD, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

MMSD3.62%$362

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMSD$362 − $25 = $337

KeptFee

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

Overlap: MMSD, SGOV

Today

[…]holdings […]

MMSDSGOV

MMSD—[…]

SGOV[…]—

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

Return vs Bumpiness: 2 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

MMSDWorst drop−2.5%2.2% vol

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

Paid More vs Made More

YTD

SGOVMMSD

+3.2%Year to date+2.1%

3.6%Yield3.6%

+3.8%Past year+2.7%

0.09%Fee0.25%

3–0SGOV wins

End-of-day Nov 9, 2026

Popular Pairs Near These Two

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.7B

1–1level

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%

$120BAssets$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