MMMA vs SCMB

AMMMA

BSCMB

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$9,950BND

Lowest cost0.03%SCMB · $3 on $10k

Most income4.13%BND · $413 on $10k

Smallest drop−4.5%BND · worst fall in 1Y

Held in common[…]MMMA and SCMB

MMMA

SCMB

NYLI MacKay Muni Allocation ETF · $60MSchwab Municipal Bond ETF · $4.1B

[…]3 years · per year[…] · $11,355+4.3%

[…]5 years · per year[…]

0.40%Expense ratio$40 · $3 on $10k · lower wins0.03%

3.74%12-mo yield$374 · $362 on $10k3.62%

[…]Worst dropSmaller wins−6.7%

[…]VolatilityLower wins3.8%

1–1Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsMMMA · SCMB

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

Held in common[…]

End-of-day Nov 4, 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	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.13%	+0.4%	−0.1%	+0.3%	+5.5%	−0.1%	−4.5%	$161.4B
2	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.74%	+0.3%	+2.6%	new	new	new	[…]	$60M
3	BSCMB	Schwab Municipal Bond ETFRead Desk	0.03%	3.62%	+0.4%	−0.4%	+0.2%	+4.3%	new	−6.7%	$4.1B

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.13%	+0.4%	−0.1%	+0.3%	+5.5%	−0.1%	−4.5%	$161.4B
2	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.74%	+0.3%	+2.6%	new	new	new	[…]	$60M
3	BSCMB	Schwab Municipal Bond ETFRead Desk	0.03%	3.62%	+0.4%	−0.4%	+0.2%	+4.3%	new	−6.7%	$4.1B

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

MMMA vs SCMB

MMMA

NYLI MacKay Muni Allocation

[…]

SCMB

Schwab Municipal Bond

[…]

MeasureMMMASCMB

Fee0.40%0.03%

Cost on $10k a year$40$3

Yield3.74%3.62%

5 years, per year[…][…]

3 years, per year[…]+4.3%

Worst drop · 1Y[…]−6.7%

Volatility · 1Y[…]3.8%

1–1measures won
level

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

BND vs AGG

YTD

VanguardBND

−0.1%

AGGiShares

−0.2%

−0.1%Year to date−0.2%

4.1%Yield4.1%

$161BAssets$139B

1–0BND wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

Overlap: MMMA, SCMB, BND

Today

[…]holdings […]

MMMASCMBBND

MMMA—[…][…]

SCMB[…]—[…]

BND[…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$410most kept, BND

BND$413 − $3 = $410

SCMB$362 − $3 = $359

MMMA$374 − $40 = $334

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee