Compare · 2 funds side by side · dividends reinvested

MMSD and VTEB

MMSDNY Life Investments×VTEBVanguard×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$10,353VTEB · best of the two

02 / 04

MMSD and VTEB, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.63%+1.8%+2.5%[…][…]−2.5%2.2%$87M1.2

Vanguard Tax-Exempt Bond ETFBonds & Cash · Municipal0.03%3.49%−0.3%+0.1%+4.3%+0.7%−6.6%3.6%$49.6B1.6

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

End-of-day Nov 3, 2026 · returns include dividends · since: MMSD 2025 · VTEB 2015

Head to Head

Swap sides Versus in desk

Head to Head

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

MMSD

VTEB

Vanguard Tax-Exempt Bond ETF · $49.6B$10,353

$10,000 five years ago, dividends reinvested

MMSDMeasureVTEB

+1.8%Year to dateJan 1 → Nov 3−0.3%

+2.5%1 yearTotal return+0.1%

[…]3 years · per year$10,000 became […] · $11,353+4.3%

[…]5 years · per year$10,000 became […] · $10,353+0.7%

0.25%Expense ratio$25 · $3 a year on $10k · lower is better0.03%

3.63%Trailing 12-mo yield$363 · $349 a year on $10k3.49%

−2.5%Worst dropSmaller is better−6.6%

2.2%VolatilityLower is calmer3.6%

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

5–1MMSD wins

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

More Ways to See the Pairs

MMSD vs VTEB: Top 5 Holdings

Today

MMSD

-1.1%in top 5

VTEB

in top 5[…]

MMSDStockVTEB

-1.1%CASHnot top 5

Held in common[…]

End-of-day Nov 3, 2026 · share of each fund

MMSD vs VTEB Returns, Every Period

NY Life InvestmentsMMSD

+2.5%

past year

VTEBVanguard

+0.1%

past year

MMSDVTEBFaded: behind in that period

2–0MMSD wins

End-of-day Nov 3, 2026 · dividends in · faded = behind in that period

MMSD vs VTEB

YTD

NY Life InvestmentsMMSD

+1.8%

VTEBVanguard

−0.3%

+1.8%Year to date−0.3%

−2.5%Worst drop · 1Y−6.6%

2.2%Volatility · 1Y3.6%

3.6%Yield3.5%

$87.1MAssets$49.6B

4–0MMSD wins

End-of-day Nov 3, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MMSD, VTEB

Today

0.03%lowest, VTEB

FundExpense ratioFee$10k

VTEB0.03%$3

MMSD0.25%$25

End-of-day Nov 3, 2026 · fee on $10,000 a year

Yields: MMSD, VTEB

3.63%highest, MMSD

FundTrailing yieldYield$10k

MMSD3.63%$363

VTEB3.49%$349

End-of-day Nov 3, 2026 · trailing 12-month yield

Income After Fees on $10,000

$346most kept, VTEB

VTEB$349 − $3 = $346

MMSD$363 − $25 = $338

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee

Overlap: MMSD, VTEB

Today

[…]holdings […]

MMSDVTEB

MMSD—[…]

VTEB[…]—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+2.5%MMSD, at 2.2% volatility

MMSDWorst drop−2.5%2.2% vol

VTEBWorst drop−6.6%3.6% vol

End-of-day Nov 3, 2026 · up and left is better

Paid More vs Made More

YTD

MMSDVTEB

+1.8%Year to date−0.3%

3.6%Yield3.5%

+2.5%Past year+0.1%

0.25%Fee0.03%

3–1MMSD wins

End-of-day Nov 3, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.5%

JEPIJ.P. Morgan

+7.0%

+7.5%Year to date+7.0%

12.3%Yield8.0%

$41.8BAssets$46.0B

2–0JEPQ wins

End-of-day Nov 3, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.5%

SPYSPDR

+11.5%

+11.5%Year to date+11.5%

1.0%Yield1.0%

$185BAssets$798B

0–0level

End-of-day Nov 3, 2026