MMMA vs CATF

AMMMA

BCATF

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,090SGOV · VCIT $10,493

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[…]MMMA and CATF

MMMA

CATF

NYLI MacKay Muni Allocation ETF · $60MAmerican Century California Municipal Bond ETF · $164M

[…]3 years · per year[…]

[…]5 years · per year[…]

0.40%Expense ratio$40 · $25 on $10k · lower wins0.25%

3.71%12-mo yield$371 · $356 on $10k3.56%

[…]Worst dropSmaller wins−6.3%

[…]VolatilityLower wins4.1%

1–1Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMMMA · CATF

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	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%	$116.9B
2	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
3	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M
4	BCATF	American Century California Municipal Bond ETFRead Desk	0.25%	3.56%	−0.4%	+1.2%	+1.7%	new	new	−6.3%	$164M

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%	$116.9B
2	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
3	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M
4	BCATF	American Century California Municipal Bond ETFRead Desk	0.25%	3.56%	−0.4%	+1.2%	+1.7%	new	new	−6.3%	$164M

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 CATF

MMMA

NYLI MacKay Muni Allocation

[…]

CATF

American Century California Municipal Bond

[…]

MeasureMMMACATF

Fee0.40%0.25%

Cost on $10k a year$40$25

Yield3.71%3.56%

5 years, per year[…][…]

3 years, per year[…][…]

Worst drop · 1Y[…]−6.3%

Volatility · 1Y[…]4.1%

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: MMMA, CATF, SGOV, VCIT

Today

[…]holdings […]

MMMACATFSGOVVCIT

MMMA—[…][…][…]

CATF[…]—[…][…]

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

CATF$356 − $25 = $331

MMMA$371 − $40 = $331

KeptFee

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