MMMA vs SHM

AMMMA

BSHM

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$10,571SHM · MUB $10,432

Lowest cost0.03%AGG · $3 on $10k

Most income4.12%AGG · $412 on $10k

Smallest drop−2.7%SHM · worst fall in 1Y

Held in common[…]MMMA and SHM

MMMA

SHM

NYLI MacKay Muni Allocation ETF · $60MState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

[…]3 years · per year[…] · $11,019+3.3%

[…]5 years · per year[…] · $10,571+1.1%

0.40%Expense ratio$40 · $20 on $10k · lower wins0.20%

3.71%12-mo yield$371 · $270 on $10k2.70%

[…]Worst dropSmaller wins−2.7%

[…]VolatilityLower wins1.8%

1–1Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMMMA · SHM

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	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.1B
3	AGG	iShares Core U.S. Aggregate Bond ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.6%	$139.1B
4	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	0.0%	+3.5%	new	new	new	[…]	$60M

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	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.26%	+0.1%	+0.7%	+1.1%	+4.1%	+0.8%	−6.3%	$55.1B
3	AGG	iShares Core U.S. Aggregate Bond ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.6%	$139.1B
4	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	0.0%	+3.5%	new	new	new	[…]	$60M

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

MMMA vs SHM

MMMA

NYLI MacKay Muni Allocation

[…]

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,571

MeasureMMMASHM

Fee0.40%0.20%

Cost on $10k a year$40$20

Yield3.71%2.70%

5 years, per year[…]+1.1%

3 years, per year[…]+3.3%

Worst drop · 1Y[…]−2.7%

Volatility · 1Y[…]1.8%

1–1measures won
level

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: MMMA, SHM, MUB, AGG

Today

[…]holdings […]

MMMASHMMUBAGG

MMMA—[…][…][…]

SHM[…]—[…][…]

MUB[…][…]—[…]

AGG[…][…][…]—

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

Income After Fees on $10,000

$409most kept, AGG

AGG$412 − $3 = $409

MMMA$371 − $40 = $331

MUB$326 − $5 = $321

SHM$270 − $20 = $250

KeptFee

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