Compare · 4 funds side by side · dividends reinvested

SCHD, SHM, SGOV and BND

SCHDSchwab×SHMSPDR×SGOViShares×BNDVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$16,459SCHD · best of the four

02 / 04

SCHD, SHM, SGOV and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B2.0

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$120B2.1

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%+0.0%+0.3%+5.0%−0.0%−4.5%4.0%$161B2.8

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.1%+3.3%+1.1%−2.7%1.8%$3.5B3.1

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: SCHD 2011 · SHM 2007 · SGOV 2020 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

Schwab U.S. Dividend Equity ETF · $120B$17,123

SCHD

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$11,019

$10,000 three years ago, dividends reinvested

SCHDMeasureSHM

+33.2%Year to dateJan 1 → Nov 9+1.4%

+39.1%1 yearTotal return+2.1%

+19.6%3 years · per year$10,000 became $17,123 · $11,019+3.3%

+10.5%5 years · per year$10,000 became $16,459 · $10,571+1.1%

0.06%Expense ratio$6 · $20 a year on $10k · lower is better0.20%

2.96%Trailing 12-mo yield$296 · $270 a year on $10k2.70%

−6.9%Worst dropSmaller is better−2.7%

11.8%VolatilityLower is calmer1.8%

SCHDSHM Winner of the row, in its colourEach row: the bigger of the two fills its side

6–2SCHD wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SCHD vs SHM: Top 5 Holdings

Today

SCHD

21.4%in top 5

SHM

in top 5[…]

SCHDStockSHM

4.4%PGnot top 5

4.3%TXNnot top 5

4.3%KOnot top 5

4.3%HDnot top 5

4.1%AMGNnot top 5

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

SCHD vs SHM Returns, Every Period

SchwabSCHD

+10.5%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

SCHDSHMFaded: behind in that period

4–0SCHD wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Income vs Bonds: SCHD vs BND

YTD

SchwabSCHD

+33.2%

BNDVanguard

+0.0%

+33.2%Year to date+0.0%

−6.9%Worst drop · 1Y−4.5%

11.8%Volatility · 1Y4.0%

3.0%Yield4.1%

$120BAssets$161B

3–1BND wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SCHD, SHM, SGOV, BND

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

SCHD0.06%$6

SGOV0.09%$9

SHM0.20%$20

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: SCHD, SHM, SGOV, BND

4.12%highest, BND

FundTrailing yieldYield$10k

BND4.12%$412

SGOV3.63%$363

SCHD2.96%$296

SHM2.70%$270

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

SGOV$363 − $9 = $354

SCHD$296 − $6 = $290

SHM$270 − $20 = $250

KeptFee

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

Overlap: SCHD, SHM, SGOV, BND

Today

[…]holdings […]

SCHDSHMSGOVBND

SCHD—[…][…][…]

SHM[…]—[…][…]

SGOV[…][…]—[…]

BND[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+39.1%SCHD, at 11.8% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

BNDWorst drop−4.5%4.0% vol

SCHDWorst drop−6.9%11.8% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

BNDSCHD

+0.0%Year to date+33.2%

4.1%Yield3.0%

+0.3%Past year+39.1%

0.03%Fee0.06%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 9, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.7B

1–1level

End-of-day Nov 9, 2026