Compare · 3 funds side by side · dividends reinvested

VTES, MMMA and BNDX

VTESVanguard×MMMANY Life Investments×BNDXVanguard×

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$10,176BNDX · best of the three

Story of the three · IncomeMost incomeBNDX · 4.65% · $465 a year on $10k

Story of the three · RiskSmallest drop

VTES, MMMA and BNDX, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Short-Term Tax-Exempt Bond ETFBonds & Cash · Municipal0.05%2.66%+1.3%+2.0%+3.4%[…]−3.0%1.8%$3.6B1.6

Vanguard Total International Bond ETFBonds & Cash · International0.07%4.65%+0.6%+0.1%+4.2%+0.3%−3.2%3.8%$82.9B1.8

NYLI MacKay Muni Allocation ETFBonds & Cash · Municipal0.40%3.71%+3.3%[…][…][…][…][…]$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 11, 2026 · returns include dividends · since: VTES 2023 · MMMA 2025 · BNDX 2013

Head to Head

Swap sides Versus in desk

Head to Head

5Y

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

VTES

MMMA

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

$10,000 five years ago, dividends reinvested

VTESMeasure

More Ways to See the Pairs

VTES vs MMMA: Top 5 Holdings

Today

VTES

[…]in top 5

MMMA

in top 50.3%

VTESStockMMMA

not top 5CASH0.3%

Held in common[…]

End-of-day Nov 11, 2026 · share of each fund

VTES vs MMMA Returns, Every Period

1Y

Cost, Income and Risk

Fees: VTES, MMMA, BNDX

Today

0.05%lowest, VTES

FundExpense ratioFee$10k

VTES0.05%$5

BNDX0.07%$7

MMMA0.40%$40

End-of-day Nov 11, 2026 · fee on $10,000 a year

Yields: VTES, MMMA, BNDX

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+34.6%

VIGVanguard

+16.0%

+34.6%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 11, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.1%

JEPIJ.P. Morgan

+8.6%

SPYM vs SPY

YTD

SPDRSPYM

+12.4%

SPYSPDR

+12.3%

MMMA

+1.3%Year to dateJan 1 → Nov 11+3.3%

+2.0%1 yearTotal return[…]

+3.4%3 years · per year$10,000 became $11,068 · […][…]

[…]5 years · per year[…]

0.05%Expense ratio$5 · $40 a year on $10k · lower is better0.40%

2.66%Trailing 12-mo yield$266 · $371 a year on $10k3.71%

−3.0%Worst dropSmaller is better[…]

1.8%VolatilityLower is calmer[…]

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

1–2MMMA wins

End-of-day Nov 11, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

Vanguard

VTES

+2.0%

past year

MMMANY Life Investments

[…]

past year

VTESMMMAFaded: behind in that period

0–1MMMA wins

End-of-day Nov 11, 2026 · dividends in · faded = behind in that period

VTES vs BNDX

YTD

VanguardVTES

+1.3%

BNDXVanguard

+0.6%

+1.3%Year to date+0.6%

−3.0%Worst drop · 1Y−3.2%

1.8%Volatility · 1Y3.8%

2.7%Yield4.7%

$3.6BAssets$82.9B

3–1VTES wins

End-of-day Nov 11, 2026 · smaller drop and lower volatility win

1Y

4.65%highest, BNDX

FundTrailing yieldYield$10k

BNDX4.65%$465

MMMA3.71%$371

VTES2.66%$266

End-of-day Nov 11, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$458most kept, BNDX

BNDX$465 − $7 = $458

MMMA$371 − $40 = $331

VTES$266 − $5 = $261

KeptFee

End-of-day Nov 11, 2026 · yield in dollars minus the fee

Overlap: VTES, MMMA, BNDX

Today

[…]holdings […]

VTESMMMABNDX

VTES—[…][…]

MMMA[…]—[…]

BNDX[…][…]—

End-of-day Nov 11, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+2.0%VTES, at 1.8% volatility

VTESWorst drop−3.0%1.8% vol

BNDXWorst drop−3.2%3.8% vol

MMMAWorst drop[…][…]

End-of-day Nov 11, 2026 · up and left is better

Paid More vs Made More

YTD

BNDXMMMA

+0.6%Year to date+3.3%

4.7%Yield3.7%

+0.1%Past year[…]

0.07%Fee0.40%

2–1BNDX wins

End-of-day Nov 11, 2026

+8.1%Year to date+8.6%

12.2%Yield7.8%

$42.0BAssets$46.6B

1–1level

End-of-day Nov 11, 2026

+12.4%Year to date+12.3%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 11, 2026

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VTES, MMMA and BNDX

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three