MMIT vs MMMA

AMMIT

BMMMA

Measures won0–1MMMA wins · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · MMIT $10,604

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common0.4%MMIT and MMMA

MMIT

MMMA

NYLI MacKay Muni Intermediate ETF · $1.7BNYLI MacKay Muni Allocation ETF · $60M

+4.6%3 years · per year$11,437 · […][…]

+1.2%5 years · per year$10,604 · […][…]

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

3.68%12-mo yield$368 · $371 on $10k3.71%

−5.9%Worst dropSmaller wins[…]

3.2%VolatilityLower wins[…]

0–1MMMA wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMMIT · MMMA

0.4%CASH0.8%

Held in common0.4%

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 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%	$116.5B
2	AMMIT	NYLI MacKay Muni Intermediate ETFRead Desk	0.40%	3.68%	+0.3%	+1.1%	+1.7%	+4.6%	+1.2%	−5.9%	$1.7B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
4	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 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%	$116.5B
2	AMMIT	NYLI MacKay Muni Intermediate ETFRead Desk	0.40%	3.68%	+0.3%	+1.1%	+1.7%	+4.6%	+1.2%	−5.9%	$1.7B
3	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	−0.1%	−0.8%	+0.4%	+6.9%	+1.0%	−4.9%	$66.6B
4	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

MMIT vs MMMA

MMIT

NYLI MacKay Muni Intermediate

$10,604

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureMMITMMMA

Fee0.40%0.40%

Cost on $10k a year$40$40

Yield3.68%3.71%

5 years, per year+1.2%[…]

3 years, per year+4.6%[…]

Worst drop · 1Y−5.9%[…]

Volatility · 1Y3.2%[…]

0–0measures won
level

0.4%

holdings shared

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$48.3B

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%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026

Overlap: MMIT, MMMA, SGOV, VCIT

Today

0.4%most shared, MMIT and MMMA

MMITMMMASGOVVCIT

MMIT—0.4%[…][…]

MMMA0.4%—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 6, 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

MMIT$368 − $40 = $328

KeptFee

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