Compare · 3 funds side by side · dividends reinvested

BIL, GMMF and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,090SGOV · best of the three

02 / 04

BIL, GMMF and SGOV, 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%$117B1.3

State Street SPDR Bloomberg 1-3 Month T-Bill ETFBonds & Cash · Cash & T-bills0.14%3.67%+3.1%+3.7%+4.4%+3.7%−0.0%0.2%$48.4B2.1

iShares Government Money Market ETFBonds & Cash · Cash & T-bills0.20%3.53%+3.1%+4.6%[…][…]−0.0%0.9%$192M2.5

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: BIL 2007 · GMMF 2025 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Bloomberg 1-3 Month T-Bill ETF · $48.4B$12,017

BIL

GMMF

iShares Government Money Market ETF · $192M[…]

$10,000 five years ago, dividends reinvested

BILMeasureGMMF

+3.1%Year to dateJan 1 → Nov 6+3.1%

+3.7%1 yearTotal return+4.6%

+4.4%3 years · per year$10,000 became $11,393 · […][…]

+3.7%5 years · per year$10,000 became $12,017 · […][…]

0.14%Expense ratio$14 · $20 a year on $10k · lower is better0.20%

3.67%Trailing 12-mo yield$367 · $353 a year on $10k3.53%

−0.0%Worst dropSmaller is better−0.0%

0.2%VolatilityLower is calmer0.9%

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

3–1BIL wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

BIL vs GMMF: Top 5 Holdings

Today

BIL

[…]in top 5

GMMF

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

BIL vs GMMF Returns, Every Period

SPDRBIL

+3.7%

past year

GMMFiShares

+4.6%

past year

BILGMMFFaded: behind in that period

0–1GMMF wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

BIL vs SGOV

YTD

SPDRBIL

+3.1%

SGOViShares

+3.2%

+3.1%Year to date+3.2%

−0.0%Worst drop · 1Y+0.0%

0.2%Volatility · 1Y0.2%

3.7%Yield3.6%

$48.4BAssets$117B

2–1SGOV wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: BIL, GMMF, SGOV

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

BIL0.14%$14

GMMF0.20%$20

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: BIL, GMMF, SGOV

3.67%highest, BIL

FundTrailing yieldYield$10k

BIL3.67%$367

SGOV3.63%$363

GMMF3.53%$353

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

BIL$367 − $14 = $353

GMMF$353 − $20 = $333

KeptFee

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

Overlap: BIL, GMMF, SGOV

Today

[…]holdings […]

BILGMMFSGOV

BIL—[…][…]

GMMF[…]—[…]

SGOV[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+4.6%GMMF, at 0.9% volatility

SGOVWorst drop0.0%0.2% vol

BILWorst drop−0.0%0.2% vol

GMMFWorst drop−0.0%0.9% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

BILSGOV

+3.1%Year to date+3.2%

3.7%Yield3.6%

+3.7%Past year+3.8%

0.14%Fee0.09%

3–1SGOV wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

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