SCMB vs MMMA

ASCMB

BMMMA

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · VCIT $10,469

Lowest cost0.03%SCMB · $3 on $10k

Most income5.03%VCIT · $503 on $10k

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

Held in common[…]SCMB and MMMA

SCMB

MMMA

Schwab Municipal Bond ETF · $4.1BNYLI MacKay Muni Allocation ETF · $60M

+4.3%3 years · per year$11,355 · […][…]

[…]5 years · per year[…]

0.03%Expense ratio$3 · $40 on $10k · lower wins0.40%

3.62%12-mo yield$362 · $374 on $10k3.74%

−6.7%Worst dropSmaller wins[…]

3.8%VolatilityLower wins[…]

1–1Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSCMB · MMMA

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

Held in common[…]

End-of-day Nov 4, 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%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.8B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.03%	+0.6%	−0.9%	+0.1%	+7.2%	+0.9%	−4.9%	$66.6B
3	ASCMB	Schwab Municipal Bond ETFRead Desk	0.03%	3.62%	+0.4%	−0.4%	+0.2%	+4.3%	new	−6.7%	$4.1B
4	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.74%	+0.3%	+2.6%	new	new	new	[…]	$60M

End-of-day Nov 4, 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%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.8B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.03%	+0.6%	−0.9%	+0.1%	+7.2%	+0.9%	−4.9%	$66.6B
3	ASCMB	Schwab Municipal Bond ETFRead Desk	0.03%	3.62%	+0.4%	−0.4%	+0.2%	+4.3%	new	−6.7%	$4.1B
4	BMMMA	NYLI MacKay Muni Allocation ETFRead Desk	0.40%	3.74%	+0.3%	+2.6%	new	new	new	[…]	$60M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

SCMB vs MMMA

SCMB

Schwab Municipal Bond

[…]

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureSCMBMMMA

Fee0.03%0.40%

Cost on $10k a year$3$40

Yield3.62%3.74%

5 years, per year[…][…]

3 years, per year+4.3%[…]

Worst drop · 1Y−6.7%[…]

Volatility · 1Y3.8%[…]

1–1measures won
level

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

Overlap: SCMB, MMMA, SGOV, VCIT

Today

[…]holdings […]

SCMBMMMASGOVVCIT

SCMB—[…][…][…]

MMMA[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$500most kept, VCIT

VCIT$503 − $3 = $500

SCMB$362 − $3 = $359

SGOV$363 − $9 = $354

MMMA$374 − $40 = $334

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee