Compare · 2 funds side by side · dividends reinvested

SHM and MMMA

SHMSPDR×MMMANY Life Investments×

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$10,524SHM · best of the two

02 / 03

SHM and MMMA, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.71%+1.0%+1.5%+3.3%+1.0%−2.7%1.8%$3.5B1.3

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.75%+2.2%[…][…][…][…][…]$59M1.3

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: SHM 2007 · MMMA 2025

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,524

SHM

MMMA

NYLI MacKay Muni Allocation ETF · $59M[…]

$10,000 five years ago, dividends reinvested

SHMMeasureMMMA

+1.0%Year to dateJan 1 → Nov 3+2.2%

+1.5%1 yearTotal return[…]

+3.3%3 years · per year$10,000 became $11,031 · […][…]

+1.0%5 years · per year$10,000 became $10,524 · […][…]

0.20%Expense ratio$20 · $40 a year on $10k · lower is better0.40%

2.71%Trailing 12-mo yield$271 · $375 a year on $10k3.75%

−2.7%Worst dropSmaller is better[…]

1.8%VolatilityLower is calmer[…]

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

1–2MMMA wins

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

More Ways to See the Pairs

SHM vs MMMA: Top 5 Holdings

Today

SHM

[…]in top 5

MMMA

in top 5-0.3%

SHMStockMMMA

not top 5CASH-0.3%

Held in common[…]

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

SHM vs MMMA Returns, Every Period

SPDRSHM

+1.5%

past year

MMMANY Life Investments

[…]

past year

SHMMMMAFaded: behind in that period

0–1MMMA wins

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

SHM vs MMMA

YTD

SPDRSHM

+1.0%

MMMANY Life Investments

+2.2%

+1.0%Year to date+2.2%

−2.7%Worst drop · 1Y[…]

1.8%Volatility · 1Y[…]

2.7%Yield3.8%

$3.5BAssets$59.3M

2–0MMMA wins

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

Cost, Income and Risk

Fees: SHM, MMMA

Today

0.20%lowest, SHM

FundExpense ratioFee$10k

SHM0.20%$20

MMMA0.40%$40

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

Yields: SHM, MMMA

3.75%highest, MMMA

FundTrailing yieldYield$10k

MMMA3.75%$375

SHM2.71%$271

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

Income After Fees on $10,000

$335most kept, MMMA

MMMA$375 − $40 = $335

SHM$271 − $20 = $251

KeptFee

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

Overlap: SHM, MMMA

Today

[…]holdings […]

SHMMMMA

SHM—[…]

MMMA[…]—

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

Return vs Bumpiness: 2 ETFs

+1.5%SHM, at 1.8% volatility

SHMWorst drop−2.7%1.8% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

MMMASHM

+2.2%Year to date+1.0%

3.8%Yield2.7%

[…]Past year+1.5%

0.40%Fee0.20%

2–1MMMA 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