Compare · 3 funds side by side · dividends reinvested

ZTOP, SGOV and BND

Story of the three · Growth3Y$10,000 three years agoDividends reinvested · all three on one scale$11,576BND · best of the three

02 / 04

ZTOP, 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%$117B1.5

F/m High Yield 100 ETFBonds & Cash · High yield0.39%6.89%+1.1%+2.8%[…][…]−2.9%3.5%$16M2.0

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%+0.0%+0.3%+5.0%−0.0%−4.5%4.0%$161B2.3

Rank among the three1st → 3rdFee, 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: ZTOP 2025 · SGOV 2020 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

F/m High Yield 100 ETF · $16M[…]

ZTOP

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,091

$10,000 five years ago, dividends reinvested

ZTOPMeasureSGOV

+1.1%Year to dateJan 1 → Nov 9+3.2%

+2.8%1 yearTotal return+3.8%

[…]3 years · per year$10,000 became […] · $11,417+4.5%

[…]5 years · per year$10,000 became […] · $12,091+3.9%

0.39%Expense ratio$39 · $9 a year on $10k · lower is better0.09%

6.89%Trailing 12-mo yield$689 · $363 a year on $10k3.63%

−2.9%Worst dropSmaller is better0.0%

3.5%VolatilityLower is calmer0.2%

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

1–5SGOV wins

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

More Ways to See the Pairs

ZTOP vs SGOV: Top 5 Holdings

Today

ZTOP

[…]in top 5

SGOV

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

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

ZTOP vs SGOV Returns, Every Period

F/mZTOP

+2.8%

past year

SGOViShares

+3.8%

past year

ZTOPSGOVFaded: behind in that period

0–2SGOV wins

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

ZTOP vs BND

YTD

F/mZTOP

+1.1%

BNDVanguard

+0.0%

+1.1%Year to date+0.0%

−2.9%Worst drop · 1Y−4.5%

3.5%Volatility · 1Y4.0%

6.9%Yield4.1%

$15.5MAssets$161B

4–0ZTOP wins

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

Cost, Income and Risk

Fees: ZTOP, SGOV, BND

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

SGOV0.09%$9

ZTOP0.39%$39

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

Yields: ZTOP, SGOV, BND

6.89%highest, ZTOP

FundTrailing yieldYield$10k

ZTOP6.89%$689

BND4.12%$412

SGOV3.63%$363

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

Income After Fees on $10,000

$650most kept, ZTOP

ZTOP$689 − $39 = $650

BND$412 − $3 = $409

SGOV$363 − $9 = $354

KeptFee

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

Overlap: ZTOP, SGOV, BND

Today

[…]holdings […]

ZTOPSGOVBND

ZTOP—[…][…]

SGOV[…]—[…]

BND[…][…]—

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

Return vs Bumpiness: 3 ETFs

+3.8%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

ZTOPWorst drop−2.9%3.5% vol

BNDWorst drop−4.5%4.0% vol

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

Paid More vs Made More

YTD

ZTOPSGOV

+1.1%Year to date+3.2%

6.9%Yield3.6%

+2.8%Past year+3.8%

0.39%Fee0.09%

3–1SGOV wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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

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