MMMA vs VTES

AMMMA

BVTES

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,090SGOV

Lowest cost0.05%VTES · $5 on $10k

Most income3.71%MMMA · $371 on $10k

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

Held in common[…]MMMA and VTES

MMMA

VTES

NYLI MacKay Muni Allocation ETF · $60MVanguard Short-Term Tax-Exempt Bond ETF · $3.6B

[…]3 years · per year[…] · $11,143+3.7%

[…]5 years · per year[…]

0.40%Expense ratio$40 · $5 on $10k · lower wins0.05%

3.71%12-mo yield$371 · $266 on $10k2.66%

[…]Worst dropSmaller wins−3.0%

[…]VolatilityLower wins1.8%

1–1Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsMMMA · VTES

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 Three

5Y3 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	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M
3	BVTES	Vanguard Short-Term Tax-Exempt Bond ETFRead Desk	0.05%	2.66%	+0.1%	+1.4%	+2.1%	+3.7%	new	−3.0%	$3.6B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 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	AMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M
3	BVTES	Vanguard Short-Term Tax-Exempt Bond ETFRead Desk	0.05%	2.66%	+0.1%	+1.4%	+2.1%	+3.7%	new	−3.0%	$3.6B

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 VTES

MMMA

NYLI MacKay Muni Allocation

[…]

VTES

Vanguard Short-Term Tax-Exempt Bond

[…]

MeasureMMMAVTES

Fee0.40%0.05%

Cost on $10k a year$40$5

Yield3.71%2.66%

5 years, per year[…][…]

3 years, per year[…]+3.7%

Worst drop · 1Y[…]−3.0%

Volatility · 1Y[…]1.8%

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, VTES, SGOV

Today

[…]holdings […]

MMMAVTESSGOV

MMMA—[…][…]

VTES[…]—[…]

SGOV[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

VTES$266 − $5 = $261

KeptFee

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