Compare · 3 funds side by side · dividends reinvested

SUB, MMMA and SGOV

SUBiShares×MMMANY Life Investments×SGOViShares×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,090SGOV · best of the three

02 / 04

SUB, MMMA and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.4

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.5%[…][…][…][…][…]$60M1.7

iShares Short-Term National Muni Bond ETFBonds & Cash · Municipal0.07%2.57%+1.6%+2.5%+3.4%+1.7%−1.9%1.4%$13.4B2.1

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: SUB 2008 · MMMA 2025 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

iShares Short-Term National Muni Bond ETF · $13.4B$10,860

SUB

MMMA

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

$10,000 five years ago, dividends reinvested

SUBMeasureMMMA

+1.6%Year to dateJan 1 → Nov 6+3.5%

+2.5%1 yearTotal return[…]

+3.4%3 years · per year$10,000 became $11,045 · […][…]

+1.7%5 years · per year$10,000 became $10,860 · […][…]

0.07%Expense ratio$7 · $40 a year on $10k · lower is better0.40%

2.57%Trailing 12-mo yield$257 · $371 a year on $10k3.71%

−1.9%Worst dropSmaller is better[…]

1.4%VolatilityLower is calmer[…]

SUBMMMA 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

SUB vs MMMA: Top 5 Holdings

Today

SUB

[…]in top 5

MMMA

in top 50.8%

SUBStockMMMA

not top 5CASH0.8%

Held in common[…]

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

SUB vs MMMA Returns, Every Period

iSharesSUB

+2.5%

past year

MMMANY Life Investments

[…]

past year

SUBMMMAFaded: behind in that period

0–1MMMA wins

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

SUB vs MMMA

YTD

iSharesSUB

+1.6%

MMMANY Life Investments

+3.5%

+1.6%Year to date+3.5%

−1.9%Worst drop · 1Y[…]

1.4%Volatility · 1Y[…]

2.6%Yield3.7%

$13.4BAssets$60.0M

2–0MMMA wins

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

Cost, Income and Risk

Fees: SUB, MMMA, SGOV

Today

0.07%lowest, SUB

FundExpense ratioFee$10k

SUB0.07%$7

SGOV0.09%$9

MMMA0.40%$40

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

Yields: SUB, MMMA, SGOV

3.71%highest, MMMA

FundTrailing yieldYield$10k

MMMA3.71%$371

SGOV3.63%$363

SUB2.57%$257

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

SUB$257 − $7 = $250

KeptFee

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

Overlap: SUB, MMMA, SGOV

Today

[…]holdings […]

SUBMMMASGOV

SUB—[…][…]

MMMA[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

SUBWorst drop−1.9%1.4% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

MMMASGOV

+3.5%Year to date+3.2%

3.7%Yield3.6%

[…]Past year+3.8%

0.40%Fee0.09%

2–1MMMA wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

1–1level

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

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%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026