Compare · 3 funds side by side · dividends reinvested

SPY, MUB and VTI

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,493SPY · best of the three

02 / 04

SPY, MUB and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.0

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.26%+0.7%+1.1%+4.1%+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 9, 2026 · returns include dividends · since: SPY 1993 · MUB 2007 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $778B$17,493

SPY

MUB

iShares National Muni Bond ETF · $55.0B$10,432

$10,000 five years ago, dividends reinvested

SPYMeasureMUB

+11.2%Year to dateJan 1 → Nov 9+0.7%

+13.5%1 yearTotal return+1.1%

+21.9%3 years · per year$10,000 became $18,118 · $11,293+4.1%

+11.8%5 years · per year$10,000 became $17,493 · $10,432+0.8%

0.09%Expense ratio$9 · $5 a year on $10k · lower is better0.05%

1.01%Trailing 12-mo yield$101 · $326 a year on $10k3.26%

−8.9%Worst dropSmaller is better−6.3%

13.7%VolatilityLower is calmer3.7%

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

4–4Level

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SPY vs MUB: Top 5 Holdings

Today

SPY

27.8%in top 5

MUB

in top 5[…]

SPYStockMUB

7.9%AAPLnot top 5

7.1%NVDAnot top 5

6.2%MSFTnot top 5

4.0%AMZNnot top 5

2.6%GOOGLnot top 5

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

SPY vs MUB Returns, Every Period

SPDRSPY

+11.8%

5 years, per year

MUBiShares

+0.8%

5 years, per year

SPYMUBFaded: behind in that period

4–0SPY wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Core vs Bonds: SPY vs MUB

YTD

SPDRSPY

+11.2%

MUBiShares

+0.7%

+11.2%Year to date+0.7%

−8.9%Worst drop · 1Y−6.3%

13.7%Volatility · 1Y3.7%

1.0%Yield3.3%

$778BAssets$55.0B

3–1MUB wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, MUB, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

MUB0.05%$5

SPY0.09%$9

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: SPY, MUB, VTI

3.26%highest, MUB

FundTrailing yieldYield$10k

MUB3.26%$326

VTI1.06%$106

SPY1.01%$101

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$321most kept, MUB

MUB$326 − $5 = $321

VTI$106 − $3 = $103

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: SPY, MUB, VTI

Today

86.0%most shared, SPY and VTI

SPYMUBVTI

SPY—[…]86.0%

MUB[…]—[…]

VTI86.0%[…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+13.9%VTI, at 13.9% volatility

MUBWorst drop−6.3%3.7% vol

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

MUBVTI

+0.7%Year to date+11.6%

3.3%Yield1.1%

+1.1%Past year+13.9%

0.05%Fee0.03%

3–1VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026