Compare · 2 funds side by side · dividends reinvested

VCIT and MMSD

VCITVanguard×MMSDNY Life Investments×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$10,508VCIT · best of the two

02 / 04

VCIT and MMSD, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.63%+1.8%+2.5%[…][…]−2.5%2.2%$88M1.3

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.6%+0.3%+7.3%+1.0%−4.9%4.5%$66.6B1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: VCIT 2009 · MMSD 2025

Head to Head

Swap sides Versus in desk

Head to Head

NYLI MacKay Muni Short Duration ETF · $88M[…]

MMSD

VCIT

Vanguard Intermediate-Term Corporate Bond ETF · $66.6B$10,508

$10,000 five years ago, dividends reinvested

MMSDMeasureVCIT

+1.8%Year to dateJan 1 → Nov 5−0.6%

+2.5%1 yearTotal return+0.3%

[…]3 years · per year$10,000 became […] · $12,368+7.3%

[…]5 years · per year$10,000 became […] · $10,508+1.0%

0.25%Expense ratio$25 · $3 a year on $10k · lower is better0.03%

3.63%Trailing 12-mo yield$363 · $502 a year on $10k5.02%

−2.5%Worst dropSmaller is better−4.9%

2.2%VolatilityLower is calmer4.5%

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

4–2MMSD wins

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

More Ways to See the Pairs

MMSD vs VCIT: Top 5 Holdings

Today

MMSD

-1.1%in top 5

VCIT

in top 5[…]

MMSDStockVCIT

-1.1%CASHnot top 5

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

MMSD vs VCIT Returns, Every Period

NY Life InvestmentsMMSD

+2.5%

past year

VCITVanguard

+0.3%

past year

MMSDVCITFaded: behind in that period

2–0MMSD wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

MMSD vs VCIT

YTD

NY Life InvestmentsMMSD

+1.8%

VCITVanguard

−0.6%

+1.8%Year to date−0.6%

−2.5%Worst drop · 1Y−4.9%

2.2%Volatility · 1Y4.5%

3.6%Yield5.0%

$88.0MAssets$66.6B

3–1MMSD wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: VCIT, MMSD

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

MMSD0.25%$25

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: VCIT, MMSD

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMSD3.63%$363

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

MMSD$363 − $25 = $338

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: VCIT, MMSD

Today

[…]holdings […]

VCITMMSD

VCIT—[…]

MMSD[…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+2.5%MMSD, at 2.2% volatility

MMSDWorst drop−2.5%2.2% vol

VCITWorst drop−4.9%4.5% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

VCITMMSD

−0.6%Year to date+1.8%

5.0%Yield3.6%

+0.3%Past year+2.5%

0.03%Fee0.25%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026