Compare · 4 funds side by side · dividends reinvested

SCMB, MMMA, VCIT and MUB

SCMBSchwab×MMMANY Life Investments×VCITVanguard×MUBiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$10,493VCIT · best of the four

02 / 04

SCMB, MMMA, VCIT and MUB, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B1.9

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.27%+0.5%+0.9%+4.5%+0.8%−6.3%3.7%$54.9B2.3

Schwab Municipal Bond ETFBonds & Cash · Municipal0.03%3.59%+0.4%+1.1%+4.5%[…]−6.7%3.9%$4.1B2.3

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.3

Rank among the four1st → 4thFee, 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: SCMB 2022 · MMMA 2025 · VCIT 2009 · MUB 2007

Head to Head

Swap sides Versus in desk

Head to Head

Schwab Municipal Bond ETF · $4.1B[…]

SCMB

MMMA

NYLI MacKay Muni Allocation ETF · $60M[…]

$10,000 five years ago, dividends reinvested

SCMBMeasureMMMA

+0.4%Year to dateJan 1 → Nov 6+3.5%

+1.1%1 yearTotal return[…]

+4.5%3 years · per year$10,000 became $11,403 · […][…]

[…]5 years · per year[…]

0.03%Expense ratio$3 · $40 a year on $10k · lower is better0.40%

3.59%Trailing 12-mo yield$359 · $371 a year on $10k3.71%

−6.7%Worst dropSmaller is better[…]

3.9%VolatilityLower is calmer[…]

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

1–2MMMA wins

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

More Ways to See the Pairs

SCMB vs MMMA: Top 5 Holdings

Today

SCMB

[…]in top 5

MMMA

in top 50.8%

SCMBStockMMMA

not top 5CASH0.8%

Held in common[…]

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

SCMB vs MMMA Returns, Every Period

SchwabSCMB

+1.1%

past year

MMMANY Life Investments

[…]

past year

SCMBMMMAFaded: behind in that period

0–1MMMA wins

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

SCMB vs VCIT

YTD

SchwabSCMB

+0.4%

VCITVanguard

−0.8%

+0.4%Year to date−0.8%

−6.7%Worst drop · 1Y−4.9%

3.9%Volatility · 1Y4.5%

3.6%Yield5.0%

$4.1BAssets$66.6B

2–2level

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

Cost, Income and Risk

Fees: SCMB, MMMA, VCIT, MUB

Today

0.03%lowest, SCMB

FundExpense ratioFee$10k

SCMB0.03%$3

VCIT0.03%$3

MUB0.05%$5

MMMA0.40%$40

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

Yields: SCMB, MMMA, VCIT, MUB

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.71%$371

SCMB3.59%$359

MUB3.27%$327

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SCMB$359 − $3 = $356

MMMA$371 − $40 = $331

MUB$327 − $5 = $322

KeptFee

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

Overlap: SCMB, MMMA, VCIT, MUB

Today

[…]holdings […]

SCMBMMMAVCITMUB

SCMB—[…][…][…]

MMMA[…]—[…][…]

VCIT[…][…]—[…]

MUB[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+1.1%SCMB, at 3.9% volatility

MUBWorst drop−6.3%3.7% vol

SCMBWorst drop−6.7%3.9% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

VCITMMMA

−0.8%Year to date+3.5%

5.0%Yield3.7%

+0.4%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

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