CATF vs MMMA

ACATF

BMMMA

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · VCIT $10,510

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]CATF and MMMA

CATF

MMMA

American Century California Municipal Bond ETF · $167MNYLI MacKay Muni Allocation ETF · $60M

[…]3 years · per year[…]

[…]5 years · per year[…]

0.25%Expense ratio$25 · $40 on $10k · lower wins0.40%

3.55%12-mo yield$355 · $371 on $10k3.71%

−6.3%Worst dropSmaller wins[…]

4.1%VolatilityLower wins[…]

1–1Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsCATF · MMMA

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
3	ACATF	American Century California Municipal Bond ETFRead Desk	0.25%	3.55%	+0.2%	+1.4%	+1.7%	new	new	−6.3%	$167M
4	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	0.0%	+3.5%	new	new	new	[…]	$60M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
3	ACATF	American Century California Municipal Bond ETFRead Desk	0.25%	3.55%	+0.2%	+1.4%	+1.7%	new	new	−6.3%	$167M
4	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	0.0%	+3.5%	new	new	new	[…]	$60M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

CATF vs MMMA

CATF

American Century California Municipal Bond

[…]

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureCATFMMMA

Fee0.25%0.40%

Cost on $10k a year$25$40

Yield3.55%3.71%

5 years, per year[…][…]

3 years, per year[…][…]

Worst drop · 1Y−6.3%[…]

Volatility · 1Y4.1%[…]

1–1measures won
level

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$116BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: CATF, MMMA, SGOV, VCIT

Today

[…]holdings […]

CATFMMMASGOVVCIT

CATF—[…][…][…]

MMMA[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

CATF$355 − $25 = $330

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee