MMSD vs IUSB

AMMSD

BIUSB

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$10,510VCIT · IUSB $10,151

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−2.5%MMSD · worst fall in 1Y

Held in common[…]MMSD and IUSB

MMSD

IUSB

NYLI MacKay Muni Short Duration ETF · $88MiShares Core Universal USD Bond ETF · $50.5B

[…]3 years · per year[…] · $11,705+5.4%

[…]5 years · per year[…] · $10,151+0.3%

0.25%Expense ratio$25 · $6 on $10k · lower wins0.06%

3.62%12-mo yield$362 · $433 on $10k4.33%

−2.5%Worst dropSmaller wins−4.3%

2.2%VolatilityLower wins3.9%

2–2Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsMMSD · IUSB

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 Three

5Y3 funds

#
1	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.5B
3	AMMSD	NYLI MacKay Muni Short Duration ETFRead Desk	0.25%	3.62%	−0.1%	+2.1%	+2.7%	new	new	−2.5%	$88M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B
2	BIUSB	iShares Core Universal USD Bond ETFRead Desk	0.06%	4.33%	+0.1%	+0.1%	+0.5%	+5.4%	+0.3%	−4.3%	$50.5B
3	AMMSD	NYLI MacKay Muni Short Duration ETFRead Desk	0.25%	3.62%	−0.1%	+2.1%	+2.7%	new	new	−2.5%	$88M

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

MMSD vs IUSB

MMSD

NYLI MacKay Muni Short Duration

[…]

IUSB

iShares Core Universal USD Bond

$10,151

MeasureMMSDIUSB

Fee0.25%0.06%

Cost on $10k a year$25$6

Yield3.62%4.33%

5 years, per year[…]+0.3%

3 years, per year[…]+5.4%

Worst drop · 1Y−2.5%−4.3%

Volatility · 1Y2.2%3.9%

2–2measures won
level

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

Overlap: MMSD, IUSB, VCIT

Today

[…]holdings […]

MMSDIUSBVCIT

MMSD—[…][…]

IUSB[…]—[…]

VCIT[…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

IUSB$433 − $6 = $427

MMSD$362 − $25 = $337

KeptFee

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