Compare · 3 funds side by side · dividends reinvested

MMSD, SUB and VCIT

MMSDNY Life Investments×SUBiShares×VCITVanguard×

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$10,811SUB · best of the three

Story of the three · IncomeMost incomeVCIT · 5.09% · $509 a year on $10k

Story of the three · RiskSmallest drop

MMSD, SUB and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.58%+1.1%+1.7%+3.0%+1.6%−1.9%1.4%$13.4B1.8

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.63%+1.8%+2.4%[…][…]−2.5%2.2%$90M1.8

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.09%−2.0%−1.6%+5.9%+0.6%−4.9%4.5%$66.6B2.1

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 12, 2026 · returns include dividends · since: MMSD 2025 · SUB 2008 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

5Y

iShares Short-Term National Muni Bond ETF · $13.4B$10,811

SUB

MMSD

NYLI MacKay Muni Short Duration ETF · $90M[…]

$10,000 five years ago, dividends reinvested

SUBMeasure

More Ways to See the Pairs

SUB vs MMSD: Top 5 Holdings

Today

SUB

[…]in top 5

MMSD

in top 50.0%

SUBStockMMSD

not top 5CASH0.0%

Held in common[…]

End-of-day Nov 12, 2026 · share of each fund

SUB vs MMSD Returns, Every Period

1Y

Cost, Income and Risk

Fees: MMSD, SUB, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SUB0.07%$7

MMSD0.25%$25

End-of-day Nov 12, 2026 · fee on $10,000 a year

Yields: MMSD, SUB, VCIT

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+34.2%

VIGVanguard

+16.0%

+34.2%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 12, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.8%

JEPIJ.P. Morgan

+8.3%

SPYM vs SPY

YTD

SPDRSPYM

+12.0%

SPYSPDR

+11.9%

MMSD

+1.1%Year to dateJan 1 → Nov 12+1.8%

+1.7%1 yearTotal return+2.4%

+3.0%3 years · per year$10,000 became $10,928 · […][…]

+1.6%5 years · per year$10,000 became $10,811 · […][…]

0.07%Expense ratio$7 · $25 a year on $10k · lower is better0.25%

2.58%Trailing 12-mo yield$258 · $363 a year on $10k3.63%

−1.9%Worst dropSmaller is better−2.5%

1.4%VolatilityLower is calmer2.2%

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

3–3Level

End-of-day Nov 12, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

iSharesSUB

+1.7%

past year

MMSDNY Life Investments

+2.4%

past year

SUBMMSDFaded: behind in that period

0–2MMSD wins

End-of-day Nov 12, 2026 · dividends in · faded = behind in that period

SUB vs VCIT

YTD

iSharesSUB

+1.1%

VCITVanguard

−2.0%

+1.1%Year to date−2.0%

−1.9%Worst drop · 1Y−4.9%

1.4%Volatility · 1Y4.5%

2.6%Yield5.1%

$13.4BAssets$66.6B

3–1SUB wins

End-of-day Nov 12, 2026 · smaller drop and lower volatility win

1Y

5.09%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.09%$509

MMSD3.63%$363

SUB2.58%$258

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

Income After Fees on $10,000

1Y

$506most kept, VCIT

VCIT$509 − $3 = $506

MMSD$363 − $25 = $338

SUB$258 − $7 = $251

KeptFee

End-of-day Nov 12, 2026 · yield in dollars minus the fee

Overlap: MMSD, SUB, VCIT

Today

[…]holdings […]

MMSDSUBVCIT

MMSD—[…][…]

SUB[…]—[…]

VCIT[…][…]—

End-of-day Nov 12, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+2.4%MMSD, at 2.2% volatility

SUBWorst drop−1.9%1.4% vol

MMSDWorst drop−2.5%2.2% vol

VCITWorst drop−4.9%4.5% vol

End-of-day Nov 12, 2026 · up and left is better

Paid More vs Made More

YTD

VCITMMSD

−2.0%Year to date+1.8%

5.1%Yield3.6%

−1.6%Past year+2.4%

0.03%Fee0.25%

2–2level

End-of-day Nov 12, 2026

+7.8%Year to date+8.3%

12.2%Yield7.9%

$41.8BAssets$46.8B

1–1level

End-of-day Nov 12, 2026

+12.0%Year to date+11.9%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 12, 2026

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MMSD, SUB and VCIT

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three