MMMA vs CAM

AMMMA

BCAM

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$10,493VCIT · BND $9,974

Lowest cost0.03%BND · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−4.2%CAM · worst fall in 1Y

Held in common[…]MMMA and CAM

MMMA

CAM

NYLI MacKay Muni Allocation ETF · $60MAlliance Bernstein - AB California Intermediate Municipal ETF · $1.2B

[…]3 years · per year[…]

[…]5 years · per year[…]

0.40%Expense ratio$40 · $27 on $10k · lower wins0.27%

3.71%12-mo yield$371 · $326 on $10k3.26%

[…]Worst dropSmaller wins−4.2%

[…]VolatilityLower wins2.7%

1–1Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMMMA · CAM

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 Four

5Y4 funds

#
1	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
2	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	−0.1%	0.0%	+0.6%	+5.2%	−0.1%	−4.5%	$161.4B
3	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M
4	BCAM	Alliance Bernstein - AB California Intermediate Municipal ETFRead Desk	0.27%	3.26%	+0.1%	+1.2%	+1.8%	new	new	−4.2%	$1.2B

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	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
2	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	−0.1%	0.0%	+0.6%	+5.2%	−0.1%	−4.5%	$161.4B
3	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M
4	BCAM	Alliance Bernstein - AB California Intermediate Municipal ETFRead Desk	0.27%	3.26%	+0.1%	+1.2%	+1.8%	new	new	−4.2%	$1.2B

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

MMMA vs CAM

MMMA

NYLI MacKay Muni Allocation

[…]

CAM

Alliance Bernstein - AB California Intermediate Municipal

[…]

MeasureMMMACAM

Fee0.40%0.27%

Cost on $10k a year$40$27

Yield3.71%3.26%

5 years, per year[…][…]

3 years, per year[…][…]

Worst drop · 1Y[…]−4.2%

Volatility · 1Y[…]2.7%

1–1measures won
level

Nov 6, 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 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: MMMA, CAM, BND, VCIT

Today

[…]holdings […]

MMMACAMBNDVCIT

MMMA—[…][…][…]

CAM[…]—[…][…]

BND[…][…]—[…]

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

BND$412 − $3 = $409

MMMA$371 − $40 = $331

CAM$326 − $27 = $299

KeptFee

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