MMSD vs MMMA

AMMSD

BMMMA

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 common0.8%MMSD and MMMA

MMSD

MMMA

NYLI MacKay Muni Short Duration ETF · $88MNYLI MacKay Muni Allocation ETF · $60M

[…]3 years · per year[…]

[…]5 years · per year[…]

0.25%Expense ratio$25 · $40 on $10k · lower wins0.40%

3.61%12-mo yield$361 · $371 on $10k3.71%

−2.5%Worst dropSmaller wins[…]

2.2%VolatilityLower wins[…]

1–1Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsMMSD · MMMA

1.0%CASH0.8%

Held in common0.8%

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%	$116.5B
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	AMMSD	NYLI MacKay Muni Short Duration ETFRead Desk	0.25%	3.61%	+0.2%	+2.2%	+3.0%	new	new	−2.5%	$88M
4	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M

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%	$116.5B
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	AMMSD	NYLI MacKay Muni Short Duration ETFRead Desk	0.25%	3.61%	+0.2%	+2.2%	+3.0%	new	new	−2.5%	$88M
4	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.71%	+0.8%	+3.5%	new	new	new	[…]	$60M

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

MMSD vs MMMA

MMSD

NYLI MacKay Muni Short Duration

[…]

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureMMSDMMMA

Fee0.25%0.40%

Cost on $10k a year$25$40

Yield3.61%3.71%

5 years, per year[…][…]

3 years, per year[…][…]

Worst drop · 1Y−2.5%[…]

Volatility · 1Y2.2%[…]

1–1measures won
level

0.8%

holdings shared

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$48.3B

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%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026

Overlap: MMSD, MMMA, SGOV, VCIT

Today

0.8%most shared, MMSD and MMMA

MMSDMMMASGOVVCIT

MMSD—0.8%[…][…]

MMMA0.8%—[…][…]

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

MMSD$361 − $25 = $336

MMMA$371 − $40 = $331

KeptFee

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