MSODX

Active

NYLI MacKay California Muni Fund

Category: US Bond (5,386 funds)

Expense Ratio

0.48%

Annual Cost per $10K

$48.00

30-Year Fee Drag per $10K

$9,605

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+2.60%

Asset Allocation

US Bond

95%

Cash

Fee Comparison

MSODX

0.48%

US Bond average

0.76%

US Bond cheapest

ABIMX

0.00%

Index benchmark

0.03%

37% cheaper than category average

Historical Returns

Monthly total returns (dividends reinvested) from SEC N-PORT filings · As of October 2025 · Updated quarterly

+19.41%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

MSODX at 0.48%$332,587

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$48,026

Cost vs index fund−$44,838

Similar Funds (100)

Ranked by allocation similarity weighted by fund size · Returns (dividends reinvested) from SEC N-PORT filings · As of October 2025

Ticker	Name	ER	1yr	3yr	5yr
MSODX	NYLI MacKay California Muni Fund	0.48%	+2.60%	+6.09%	+1.16%
DDTRX	DoubleLine Total Return Bond Fund	0.43%	+3.74%	+5.02%	+0.43%
VWIUX	VANGUARD INTERMEDIATE-TERM TAX-EXEMPT FUND	0.09%	+4.92%	+5.52%	+1.59%
AMUSX	U.S. Government Securities Fund	0.65%	+3.55%	+1.78%	-0.67%
TLT	iShares 20+ Year Treasury Bond ETF	0.15%	-6.49%	-4.72%	-9.33%
MBB	iShares MBS ETF	0.04%	+3.34%	+2.81%	-0.45%
STRDX	Sterling Capital Total Return Bond Fund	0.35%	+3.21%	+5.24%	+0.04%
VFIIX	VANGUARD GNMA FUND	0.21%	+6.79%	+5.46%	+0.17%
MUB	iShares National Muni Bond ETF	0.05%	-0.16%	+2.41%	+0.34%
FLIBX	American Funds Inflation Linked Bond Fund	0.36%	+5.34%	+1.51%	+0.86%
IEF	iShares 7-10 Year Treasury Bond ETF	0.15%	+2.80%	+1.63%	-2.35%
VWLUX	VANGUARD LONG-TERM TAX-EXEMPT FUND	0.09%	+3.97%	+6.33%	+1.37%
VMLUX	VANGUARD LIMITED-TERM TAX-EXEMPT FUND	0.09%	+4.45%	+4.48%	+1.86%
AFFMX	American Funds Mortgage Fund	0.68%	+4.14%	+2.79%	+0.23%
VWALX	VANGUARD HIGH-YIELD TAX-EXEMPT FUND	0.09%	+3.94%	+7.08%	+1.93%
VMBS	VANGUARD MORTGAGE-BACKED SECURITIES INDEX FUND	0.06%	+3.74%	+3.02%	-0.33%
FIQZX	Fidelity Intermediate Municipal Income Fund	0.31%	+2.59%	+4.60%	+1.38%
MMHEX	NYLI MacKay High Yield Muni Bond Fund	0.55%	+3.03%	+8.03%	+2.43%
VIPSX	VANGUARD INFLATION-PROTECTED SECURITIES FUND	0.20%	+3.50%	+4.65%	+1.24%
AFTEX	Tax Exempt Bond Fund of America	0.27%	+3.78%	+5.67%	+1.32%
MTBDX	NYLI MacKay Tax Free Bond Fund	0.43%	+4.11%	+5.85%	+1.29%
MFIAX	MFS Municipal Income Fund	0.44%	+0.57%	+5.17%	+1.14%
FCAVX	Franklin California Tax-Free Income Fund	0.60%	-1.83%	+2.42%	+0.09%
SHY	iShares 1-3 Year Treasury Bond ETF	0.15%	+4.26%	+3.70%	+1.36%
FUTBX	Fidelity SAI U.S. Treasury Bond Index Fund	0.03%	+2.42%	+2.09%	-1.47%
STIP	iShares 0-5 Year TIPS Bond ETF	0.03%	+6.10%	+5.09%	+3.81%
CMPIX	Core Fixed Income Fund	0.57%	+5.74%	+5.37%	-0.36%
FTLTX	Fidelity Series Long-Term Treasury Bond Index Fund	0.00%	-4.49%	-3.28%	-8.18%
SUB	iShares Short-Term National Muni Bond ETF	0.07%	+3.21%	+2.88%	+1.28%
MISHX	AB Municipal Income Shares	0.15%	+4.45%	+7.51%	+3.10%
VWSUX	VANGUARD ULTRA-SHORT-TERM TAX-EXEMPT FUND	0.09%	+3.83%	+3.93%	+2.06%
BBMUX	Bridge Builder Municipal Bond Fund	0.12%	+2.63%	+5.13%	+1.56%
TIP	iShares TIPS Bond ETF	0.18%	+5.85%	+4.38%	+1.40%
GAJPX	Goldman Sachs Dynamic Municipal Income Fund	0.38%	+1.38%	+5.35%	+1.83%
VGLT	VANGUARD LONG-TERM TREASURY INDEX FUND	0.06%	-4.52%	-3.29%	-8.19%
USFR	WisdomTree Floating Rate Treasury Fund	0.15%	+4.59%	+4.92%	+3.05%
FFTQX	Franklin Federal Tax-Free Income Fund	0.49%	+3.42%	+6.44%	+1.36%
HIMFX	American High-Income Municipal Bond Fund	0.30%	+4.38%	+8.13%	+3.09%
PYMAX	PIMCO High Yield Municipal Bond Fund	0.86%	+0.38%	+5.88%	+1.89%
SCOAX	SIIT CORE FIXED INCOME FUND	0.37%	+3.26%	+3.37%	-0.51%
VFIRX	VANGUARD SHORT-TERM TREASURY FUND	0.10%	+5.11%	+4.29%	+1.33%
FSAJX	Fidelity SAI Tax-Free Bond Fund	0.25%	+3.99%	+6.15%	+1.56%
IEI	iShares 3-7 Year Treasury Bond ETF	0.15%	+4.26%	+3.32%	-0.22%
JAAA	Janus Henderson AAA CLO ETF	0.21%	+5.56%	+7.48%	+4.63%
PMLAX	PIMCO Municipal Bond Fund	0.75%	+1.31%	+5.50%	+1.26%
QCILFX	College Retirement Equities Fund - Inflation-Linked Bond Account	—	+4.85%	+5.53%	—
SPMB	SPDR(R) Portfolio Mortgage Backed Bond ETF	0.04%	+3.33%	+5.03%	-0.27%
FIWAX	Fidelity Limited Term Municipal Income Fund	0.25%	+3.47%	+4.16%	+1.39%
MTFHX	NYLI MacKay Strategic Muni Allocation Fund	0.50%	+4.68%	+5.80%	+2.16%
TFLO	iShares Treasury Floating Rate Bond ETF	0.15%	+4.41%	+4.92%	+3.17%
FDMMX	Fidelity Massachusetts Municipal Income Fund	0.45%	+3.75%	+4.94%	+0.86%
TLH	iShares 10-20 Year Treasury Bond ETF	0.15%	-2.13%	-1.19%	-6.52%
CRAIX	CCM Community Impact Bond Fund	0.42%	+3.05%	+2.57%	-0.40%
LMBS	First Trust Low Duration Opportunities ETF	0.65%	+7.06%	+6.29%	+2.68%
TRLDX	T. Rowe Price Limited-Duration Inflation Focused Bond Fund, Inc.	0.30%	+6.53%	+3.63%	+3.12%
JAGBX	Select Bond Trust	0.60%	+2.97%	+5.29%	-0.17%
CLMAX	Columbia Mortgage Opportunities Fund	0.73%	+7.27%	+3.63%	+2.31%
AIDZX	Diversified Municipal Portfolio	0.41%	+2.46%	+4.50%	+1.59%
FUAMX	Fidelity Intermediate Treasury Bond Index Fund	0.03%	+3.64%	+2.57%	-1.31%
FHIGX	Fidelity Municipal Income Fund	0.43%	+1.18%	+5.13%	+1.12%
FHYRX	Franklin High Yield Tax-Free Income Fund	0.50%	-0.33%	+3.00%	+1.11%
VFITX	VANGUARD INTERMEDIATE-TERM TREASURY FUND	0.10%	+6.24%	+4.68%	-0.20%
WMBRX	Allspring Municipal Bond Fund	0.74%	+1.03%	+4.50%	+2.66%
MMHKX	MFS Municipal High Income Fund	0.52%	+3.28%	+7.29%	+2.10%
TFI	SPDR Nuveen ICE Municipal Bond ETF	0.23%	+0.42%	+4.03%	-0.27%
FTABX	Fidelity Tax-Free Bond Fund	0.25%	+4.37%	+6.24%	+1.53%
BSNSX	Baird Strategic Municipal Bond Fund	0.55%	+2.88%	+5.56%	+2.12%
SHM	SPDR Nuveen ICE Short Term Municipal Bond ETF	0.20%	+2.58%	+3.27%	+0.69%
MBFAX	Allspring Core Bond Fund	0.65%	+6.07%	+5.62%	+2.12%
UIITX	Victory Core Plus Intermediate Bond Fund	0.41%	+6.60%	+6.79%	+1.37%
OWMBX	Old Westbury Municipal Bond Fund	0.57%	+4.04%	+3.90%	+0.60%
MTLBX	MFS Municipal Limited Maturity Fund	0.36%	+3.88%	+3.99%	+0.89%
FGOVX	Fidelity Government Income Fund	0.79%	+2.32%	+2.02%	-1.38%
FLTEX	Limited Term Tax Exempt Bond Fund of America	0.37%	+5.18%	+4.79%	+1.70%
FIXD	First Trust Smith Opportunistic Fixed Income ETF	0.65%	+2.83%	+2.67%	-1.00%
FSEC	Fidelity Investment Grade Securitized ETF	0.36%	+3.64%	+3.18%	—
RBCUX	Tax-Exempt Bond Fund	0.41%	+4.12%	+5.42%	+1.71%
BMNSX	Baird Core Intermediate Municipal Bond Fund	0.55%	+2.40%	+4.70%	+1.36%
GANPX	Goldman Sachs Short Duration Tax-Free Fund	0.67%	+3.18%	+4.03%	+1.53%
DDCPX	Doubleline Shiller Enhanced CAPE	0.49%	+10.54%	+18.25%	+11.67%
AUGAX	Columbia Quality Income Fund	0.57%	+3.84%	+2.03%	-0.90%
FGORX	Franklin U.S. Government Securities Fund	0.51%	+2.77%	+4.31%	-0.21%
TRZUX	T. Rowe Price U.S. Treasury Long-Term Index Fund	0.07%	-4.55%	-3.57%	-8.44%
JMBS	Janus Henderson Mortgage-Backed Securities ETF	0.23%	+7.59%	+6.27%	+0.60%
USATX	Victory Tax Exempt Intermediate-Term Fund	0.44%	+0.64%	+2.81%	+0.87%
PRTMX	T. Rowe Price Summit Municipal Intermediate Fund	0.29%	+4.81%	+5.21%	+1.41%
ACITX	Inflation-Adjusted Bond Fund	0.54%	+3.63%	+4.52%	+1.24%
LONSX	Lord Abbett National Tax-Free Income Fund	0.54%	+0.17%	+5.47%	+0.88%
CMF	iShares California Muni Bond ETF	0.08%	-0.07%	+2.32%	-0.01%
NVHAX	Nuveen Short Duration High Yield Municipal Bond Fund	1.06%	+1.91%	+4.69%	+3.20%
FSMNX	Fidelity SAI Municipal Income Fund	0.36%	+1.30%	+5.31%	+1.20%
WCPNX	Core Plus Income Fund	0.45%	+3.51%	+5.90%	+1.90%
FTSL	First Trust Senior Loan Fund	0.86%	+6.67%	+8.45%	+6.03%
MNODX	NYLI MacKay New York Muni Fund	0.49%	+3.44%	+6.58%	+1.41%
WSHNX	Short Duration Income Fund	0.62%	+4.74%	+5.72%	+2.95%
DBSCX	DoubleLine Selective Credit Fund$1M min	—	+6.63%	+7.17%	+4.01%
FGMNX	Fidelity GNMA Fund	0.45%	+6.87%	+5.55%	+0.16%
RHYTX	Tax-Exempt High Yield Bond Fund	0.55%	+2.60%	+6.95%	+2.12%
MSCAX	NYLI MacKay California Muni Fund	0.75%	+2.35%	+5.82%	+0.89%
FNBGX	Fidelity Long-Term Treasury Bond Index Fund	0.03%	-4.50%	-3.30%	-8.22%
SMAMX	ALPS \| Smith Total Return Bond Fund	0.89%	-19.26%	-19.45%	-23.51%

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