MMIT vs SUB

AMMIT

BSUB

Measures won2–4SUB wins · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · SUB $10,861

Lowest cost0.03%BND · $3 on $10k

Most income4.12%BND · $412 on $10k

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

Held in common[…]MMIT and SUB

MMIT

SUB

NYLI MacKay Muni Intermediate ETF · $1.7BiShares Short-Term National Muni Bond ETF · $13.4B

+4.4%3 years · per year$11,386 · $11,021+3.3%

+1.2%5 years · per year$10,627 · $10,861+1.7%

0.40%Expense ratio$40 · $7 on $10k · lower wins0.07%

3.67%12-mo yield$367 · $257 on $10k2.57%

−5.9%Worst dropSmaller wins−1.9%

3.2%VolatilityLower wins1.4%

2–4SUB wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMMIT · SUB

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	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.4%	+3.3%	+1.7%	−1.9%	$13.4B
3	AMMIT	NYLI MacKay Muni Intermediate ETFRead Desk	0.40%	3.67%	+0.1%	+1.3%	+1.7%	+4.4%	+1.2%	−5.9%	$1.7B
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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	BSUB	iShares Short-Term National Muni Bond ETFRead Desk	0.07%	2.57%	0.0%	+1.6%	+2.4%	+3.3%	+1.7%	−1.9%	$13.4B
3	AMMIT	NYLI MacKay Muni Intermediate ETFRead Desk	0.40%	3.67%	+0.1%	+1.3%	+1.7%	+4.4%	+1.2%	−5.9%	$1.7B
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

MMIT vs SUB

MMIT

NYLI MacKay Muni Intermediate

$10,627

SUB

iShares Short-Term National Muni Bond

$10,861

MeasureMMITSUB

Fee0.40%0.07%

Cost on $10k a year$40$7

Yield3.67%2.57%

5 years, per year+1.2%+1.7%

3 years, per year+4.4%+3.3%

Worst drop · 1Y−5.9%−1.9%

Volatility · 1Y3.2%1.4%

4–2measures won
SUB first

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

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 9, 2026

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

Overlap: MMIT, SUB, BND, SGOV

Today

[…]holdings […]

MMITSUBBNDSGOV

MMIT—[…][…][…]

SUB[…]—[…][…]

BND[…][…]—[…]

SGOV[…][…][…]—

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

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

SGOV$363 − $9 = $354

MMIT$367 − $40 = $327

SUB$257 − $7 = $250

KeptFee

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