OVM vs MMMA

AOVM

BMMMA

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,091SGOV · OVM $10,610

Lowest cost0.09%SGOV · $9 on $10k

Most income5.74%OVM · $574 on $10k

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

Held in common0.0%OVM and MMMA

OVM

MMMA

Overlay Shares Municipal Bond ETF · $46MNYLI MacKay Muni Allocation ETF · $60M

+6.2%3 years · per year$11,994 · […][…]

+1.2%5 years · per year$10,610 · […][…]

0.81%Expense ratio$81 · $40 on $10k · lower wins0.40%

5.74%12-mo yield$574 · $371 on $10k3.71%

−6.4%Worst dropSmaller wins[…]

5.7%VolatilityLower wins[…]

1–1Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsOVM · MMMA

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

Held in common0.0%

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	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%	$116.4B
2	AOVM	Overlay Shares Municipal Bond ETFRead Desk	0.81%	5.74%	+0.4%	+2.4%	+3.4%	+6.2%	+1.2%	−6.4%	$46M
3	BMMMA	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 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%	$116.4B
2	AOVM	Overlay Shares Municipal Bond ETFRead Desk	0.81%	5.74%	+0.4%	+2.4%	+3.4%	+6.2%	+1.2%	−6.4%	$46M
3	BMMMA	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

OVM vs MMMA

OVM

Overlay Shares Municipal Bond

$10,610

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureOVMMMMA

Fee0.81%0.40%

Cost on $10k a year$81$40

Yield5.74%3.71%

5 years, per year+1.2%[…]

3 years, per year+6.2%[…]

Worst drop · 1Y−6.4%[…]

Volatility · 1Y5.7%[…]

1–1measures won
level

0.0%

holdings shared

Nov 9, 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%

$116BAssets$48.7B

1–1level

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: OVM, MMMA, SGOV

Today

0.0%most shared, OVM and MMMA

OVMMMMASGOV

OVM—0.0%[…]

MMMA0.0%—[…]

SGOV[…][…]—

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

Income After Fees on $10,000

$493most kept, OVM

OVM$574 − $81 = $493

SGOV$363 − $9 = $354

MMMA$371 − $40 = $331

KeptFee

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