Compare · 3 funds side by side · dividends reinvested

SCMB, MMMA and VCIT

SCMBSchwab×MMMANY Life Investments×VCITVanguard×

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

02 / 04

SCMB, MMMA and VCIT, 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%$66.6B1.5

Schwab Municipal Bond ETFBonds & Cash · Municipal0.03%3.59%+0.4%+1.1%+4.5%[…]−6.7%3.9%$4.1B1.7

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M2.0

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: SCMB 2022 · MMMA 2025 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Intermediate-Term Corporate Bond ETF · $66.6B$10,493

VCIT

MMMA

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

$10,000 five years ago, dividends reinvested

VCITMeasureMMMA

−0.8%Year to dateJan 1 → Nov 6+3.5%

+0.4%1 yearTotal return[…]

+6.9%3 years · per year$10,000 became $12,210 · […][…]

+1.0%5 years · per year$10,000 became $10,493 · […][…]

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

5.02%Trailing 12-mo yield$502 · $371 a year on $10k3.71%

−4.9%Worst dropSmaller is better[…]

4.5%VolatilityLower is calmer[…]

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

2–1VCIT wins

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

More Ways to See the Pairs

VCIT vs MMMA: Top 5 Holdings

Today

VCIT

[…]in top 5

MMMA

in top 50.8%

VCITStockMMMA

not top 5CASH0.8%

Held in common[…]

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

VCIT vs MMMA Returns, Every Period

VanguardVCIT

+0.4%

past year

MMMANY Life Investments

[…]

past year

VCITMMMAFaded: behind in that period

0–1MMMA wins

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

VCIT vs MMMA

YTD

VanguardVCIT

−0.8%

MMMANY Life Investments

+3.5%

−0.8%Year to date+3.5%

−4.9%Worst drop · 1Y[…]

4.5%Volatility · 1Y[…]

5.0%Yield3.7%

$66.6BAssets$59.8M

1–1level

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

Cost, Income and Risk

Fees: SCMB, MMMA, VCIT

Today

0.03%lowest, SCMB

FundExpense ratioFee$10k

SCMB0.03%$3

VCIT0.03%$3

MMMA0.40%$40

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

Yields: SCMB, MMMA, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.71%$371

SCMB3.59%$359

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

KeptFee

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

Overlap: SCMB, MMMA, VCIT

Today

[…]holdings […]

SCMBMMMAVCIT

SCMB—[…][…]

MMMA[…]—[…]

VCIT[…][…]—

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

Return vs Bumpiness: 3 ETFs

+1.1%SCMB, at 3.9% volatility

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 Three

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