Compare · 3 funds side by side · dividends reinvested

VTEC, MMMA and VCIT

VTECVanguard×MMMANY Life Investments×VCITVanguard×

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

02 / 04

VTEC, MMMA and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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

Vanguard California Tax-Exempt Bond ETFBonds & Cash · Municipal0.06%3.18%+0.1%+0.6%[…][…]−6.4%3.4%$3.6B1.8

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.73%+2.7%[…][…][…][…][…]$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 5, 2026 · returns include dividends · since: VTEC 2024 · MMMA 2025 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard California Tax-Exempt Bond ETF · $3.6B[…]

VTEC

MMMA

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

$10,000 five years ago, dividends reinvested

VTECMeasureMMMA

+0.1%Year to dateJan 1 → Nov 5+2.7%

+0.6%1 yearTotal return[…]

[…]3 years · per year[…]

[…]5 years · per year[…]

0.06%Expense ratio$6 · $40 a year on $10k · lower is better0.40%

3.18%Trailing 12-mo yield$318 · $373 a year on $10k3.73%

−6.4%Worst dropSmaller is better[…]

3.4%VolatilityLower is calmer[…]

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

1–2MMMA wins

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

More Ways to See the Pairs

VTEC vs MMMA: Top 5 Holdings

Today

VTEC

[…]in top 5

MMMA

in top 50.1%

VTECStockMMMA

not top 5CASH0.1%

Held in common[…]

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

VTEC vs MMMA Returns, Every Period

VanguardVTEC

+0.6%

past year

MMMANY Life Investments

[…]

past year

VTECMMMAFaded: behind in that period

0–1MMMA wins

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

VTEC vs VCIT

YTD

VanguardVTEC

+0.1%

VCITVanguard

−0.6%

+0.1%Year to date−0.6%

−6.4%Worst drop · 1Y−4.9%

3.4%Volatility · 1Y4.5%

3.2%Yield5.0%

$3.6BAssets$66.6B

2–2level

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

Cost, Income and Risk

Fees: VTEC, MMMA, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

VTEC0.06%$6

MMMA0.40%$40

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

Yields: VTEC, MMMA, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

MMMA3.73%$373

VTEC3.18%$318

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

MMMA$373 − $40 = $333

VTEC$318 − $6 = $312

KeptFee

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

Overlap: VTEC, MMMA, VCIT

Today

[…]holdings […]

VTECMMMAVCIT

VTEC—[…][…]

MMMA[…]—[…]

VCIT[…][…]—

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

Return vs Bumpiness: 3 ETFs

+0.6%VTEC, at 3.4% volatility

VTECWorst drop−6.4%3.4% vol

VCITWorst drop−4.9%4.5% vol

MMMAWorst drop[…][…]

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

Paid More vs Made More

YTD

VCITMMMA

−0.6%Year to date+2.7%

5.0%Yield3.7%

+0.3%Past year[…]

0.03%Fee0.40%

2–1VCIT wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

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