ITM vs MMMA

AITM

BMMMA

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · ITM $10,281

Lowest cost0.09%SGOV · $9 on $10k

Most income3.71%MMMA · $371 on $10k

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

Held in common[…]ITM and MMMA

ITM

MMMA

VanEck Intermediate Muni ETF · $2.3BNYLI MacKay Muni Allocation ETF · $60M

+4.8%3 years · per year$11,527 · […][…]

+0.6%5 years · per year$10,281 · […][…]

0.18%Expense ratio$18 · $40 on $10k · lower wins0.40%

3.07%12-mo yield$307 · $371 on $10k3.71%

−7.4%Worst dropSmaller wins[…]

3.8%VolatilityLower wins[…]

1–1Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsITM · MMMA

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

Held in common[…]

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 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%	$116.5B
2	AITM	VanEck Intermediate Muni ETFRead Desk	0.18%	3.07%	+0.3%	+0.2%	+1.3%	+4.8%	+0.6%	−7.4%	$2.3B
3	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 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%	$116.5B
2	AITM	VanEck Intermediate Muni ETFRead Desk	0.18%	3.07%	+0.3%	+0.2%	+1.3%	+4.8%	+0.6%	−7.4%	$2.3B
3	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

ITM vs MMMA

ITM

VanEck Intermediate Muni

$10,281

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureITMMMMA

Fee0.18%0.40%

Cost on $10k a year$18$40

Yield3.07%3.71%

5 years, per year+0.6%[…]

3 years, per year+4.8%[…]

Worst drop · 1Y−7.4%[…]

Volatility · 1Y3.8%[…]

1–1measures won
level

Nov 6, 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%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: ITM, MMMA, SGOV

Today

[…]holdings […]

ITMMMMASGOV

ITM—[…][…]

MMMA[…]—[…]

SGOV[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

ITM$307 − $18 = $289

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee