MMMA vs SHM

AMMMA

BSHM

Measures won1–1level · of 6 · 3Y

$10,000 · 3Y$10,969SHM

Lowest cost0.20%SHM · $20 on $10k

Most income3.71%MMMA · $371 on $10k

Smallest drop−2.7%SHM · worst fall in 1Y

Held in common[…]MMMA and SHM

MMMA

SHM

NYLI MacKay Muni Allocation ETF · $60MState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

[…]3 years · per year[…] · $10,969+3.1%

[…]5 years · per year[…] · $10,555+1.1%

0.40%Expense ratio$40 · $20 on $10k · lower wins0.20%

3.71%12-mo yield$371 · $270 on $10k2.70%

[…]Worst dropSmaller wins

End-of-day Nov 11, 2026 · $10,000 3 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

Both

3Y2 funds

#			Trend
1	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk		0.20%	2.70%	−0.1%	+1.3%	+1.8%	+3.1%	+1.1%	−2.7%	$3.5B
2	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk		0.40%	3.71%	+0.3%	+3.3%	new	new	new	[…]	$60M

End-of-day Nov 11, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Both

3Y2 funds

#			Trend
1	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk		0.20%	2.70%	−0.1%	+1.3%	+1.8%	+3.1%	+1.1%	−2.7%	$3.5B
2	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk		0.40%	3.71%	+0.3%	+3.3%	new	new	new	[…]	$60M

End-of-day Nov 11, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

MMMA vs SHM

MMMA

NYLI MacKay Muni Allocation

[…]

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,969

MeasureMMMASHM

Fee0.40%0.20%

Cost on $10k a year$40$20

Yield3.71%2.70%

5 years, per year[…]+1.1%

3 years, per year[…]+3.1%

Worst drop · 1Y[…]−2.7%

Volatility · 1Y[…]1.8%

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MMMA vs SHM

Both

Both

$10,000 in MMMA, SHM

Overlap: MMMA, SHM

MMMA vs SHM

SCHD vs VIG

JEPQ vs JEPI

SPYM vs SPY

Overlap: MMMA, SHM

Income After Fees on $10,000