SCMB vs MMMA

ASCMB

BMMMA

Measures won1–1level · of 6 · 5Y

$10,000 · 5Y$10,493VCIT · MUB $10,414

Lowest cost0.03%SCMB · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop−4.9%VCIT · worst fall in 1Y

Held in common[…]SCMB and MMMA

SCMB

MMMA

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

+4.5%3 years · per year$11,403 · […][…]

[…]5 years · per year[…]

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

3.59%12-mo yield$359 · $371 on $10k3.71%

−6.7%Worst dropSmaller wins[…]

3.9%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 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	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
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.9B
3	ASCMB	Schwab Municipal Bond ETFRead Desk	0.03%	3.59%	+0.4%	+0.4%	+1.1%	+4.5%	new	−6.7%	$4.1B
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	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
2	MUB	iShares National Muni Bond ETFRead Desk	0.05%	3.27%	+0.4%	+0.5%	+0.9%	+4.5%	+0.8%	−6.3%	$54.9B
3	ASCMB	Schwab Municipal Bond ETFRead Desk	0.03%	3.59%	+0.4%	+0.4%	+1.1%	+4.5%	new	−6.7%	$4.1B
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

SCMB vs MMMA

SCMB

Schwab Municipal Bond

[…]

MMMA

NYLI MacKay Muni Allocation

[…]

MeasureSCMBMMMA

Fee0.03%0.40%

Cost on $10k a year$3$40

Yield3.59%3.71%

5 years, per year[…][…]

3 years, per year+4.5%[…]

Worst drop · 1Y−6.7%[…]

Volatility · 1Y3.9%[…]

1–1measures won
level

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

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

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

Overlap: SCMB, MMMA, VCIT, MUB

Today

[…]holdings […]

SCMBMMMAVCITMUB

SCMB—[…][…][…]

MMMA[…]—[…][…]

VCIT[…][…]—[…]

MUB[…][…][…]—

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

SCMB$359 − $3 = $356

MMMA$371 − $40 = $331

MUB$327 − $5 = $322

KeptFee

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