Compare · 3 funds side by side · dividends reinvested

MUB, VTI and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,118SPY · best of the three

02 / 04

MUB, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B2.0

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.27%+0.5%+0.9%+4.5%+0.8%−6.3%3.7%$55.0B2.1

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

End-of-day Nov 6, 2026 · returns include dividends · since: MUB 2007 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

iShares National Muni Bond ETF · $55.0B$10,414

MUB

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,375

$10,000 five years ago, dividends reinvested

MUBMeasureVTI

+0.5%Year to dateJan 1 → Nov 6+8.9%

+0.9%1 yearTotal return+9.9%

+4.5%3 years · per year$10,000 became $11,418 · $18,004+21.7%

+0.8%5 years · per year$10,000 became $10,414 · $16,375+10.4%

0.05%Expense ratio$5 · $3 a year on $10k · lower is better0.03%

3.27%Trailing 12-mo yield$327 · $109 a year on $10k1.09%

−6.3%Worst dropSmaller is better−8.9%

3.7%VolatilityLower is calmer13.7%

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

3–5VTI wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

MUB vs VTI: Top 5 Holdings

Today

MUB

[…]in top 5

VTI

in top 525.0%

MUBStockVTI

not top 5NVDA7.1%

not top 5AAPL6.6%

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

MUB vs VTI Returns, Every Period

iSharesMUB

+0.8%

5 years, per year

VTIVanguard

+10.4%

5 years, per year

MUBVTIFaded: behind in that period

0–4VTI wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Bonds vs Core: MUB vs VTI

YTD

iSharesMUB

+0.5%

VTIVanguard

+8.9%

+0.5%Year to date+8.9%

−6.3%Worst drop · 1Y−8.9%

3.7%Volatility · 1Y13.7%

3.3%Yield1.1%

$55.0BAssets$689B

3–1MUB wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MUB, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

MUB0.05%$5

SPY0.09%$9

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: MUB, VTI, SPY

3.27%highest, MUB

FundTrailing yieldYield$10k

MUB3.27%$327

VTI1.09%$109

SPY1.03%$103

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$322most kept, MUB

MUB$327 − $5 = $322

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: MUB, VTI, SPY

Today

85.5%most shared, VTI and SPY

MUBVTISPY

MUB—[…][…]

VTI[…]—85.5%

SPY[…]85.5%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+9.9%VTI, at 13.7% volatility

MUBWorst drop−6.3%3.7% vol

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

MUBVTI

+0.5%Year to date+8.9%

3.3%Yield1.1%

+0.9%Past year+9.9%

0.05%Fee0.03%

3–1VTI wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026