Compare · 4 funds side by side · dividends reinvested

BILS, USFR, SGOV and VCIT

BILSSPDR×USFRWisdomTree×SGOViShares×VCITVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$12,189USFR · best of the four

02 / 04

BILS, USFR, SGOV and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

WisdomTree Floating Rate Treasury FundBonds & Cash · Cash & T-bills0.15%3.71%+3.4%+4.1%+4.6%+4.0%−0.0%0.3%$21.3B2.1

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%$116B2.1

State Street SPDR Bloomberg 3-12 Month T-Bill ETFBonds & Cash · Cash & T-bills0.14%3.68%+3.0%+3.7%+4.5%+3.6%−0.0%0.2%$4.0B2.9

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.9

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: BILS 2020 · USFR 2014 · SGOV 2020 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Bloomberg 3-12 Month T-Bill ETF · $4.0B$11,954

BILS

USFR

WisdomTree Floating Rate Treasury Fund · $21.3B$12,189

$10,000 five years ago, dividends reinvested

BILSMeasureUSFR

+3.0%Year to dateJan 1 → Nov 9+3.4%

+3.7%1 yearTotal return+4.1%

+4.5%3 years · per year$10,000 became $11,398 · $11,448+4.6%

+3.6%5 years · per year$10,000 became $11,954 · $12,189+4.0%

0.14%Expense ratio$14 · $15 a year on $10k · lower is better0.15%

3.68%Trailing 12-mo yield$368 · $371 a year on $10k3.71%

−0.0%Worst dropSmaller is better−0.0%

0.2%VolatilityLower is calmer0.3%

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

2–5USFR wins

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

More Ways to See the Pairs

BILS vs USFR: Top 5 Holdings

Today

BILS

[…]in top 5

USFR

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

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

BILS vs USFR Returns, Every Period

SPDRBILS

+3.6%

5 years, per year

USFRWisdomTree

+4.0%

5 years, per year

BILSUSFRFaded: behind in that period

0–4USFR wins

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

BILS vs VCIT

YTD

SPDRBILS

+3.0%

VCITVanguard

−0.7%

+3.0%Year to date−0.7%

−0.0%Worst drop · 1Y−4.9%

0.2%Volatility · 1Y4.5%

3.7%Yield5.0%

$4.0BAssets$66.6B

3–1BILS wins

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

Cost, Income and Risk

Fees: BILS, USFR, SGOV, VCIT

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

SGOV0.09%$9

BILS0.14%$14

USFR0.15%$15

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

Yields: BILS, USFR, SGOV, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

USFR3.71%$371

BILS3.68%$368

SGOV3.63%$363

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

USFR$371 − $15 = $356

BILS$368 − $14 = $354

SGOV$363 − $9 = $354

KeptFee

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

Overlap: BILS, USFR, SGOV, VCIT

Today

[…]holdings […]

BILSUSFRSGOVVCIT

BILS—[…][…][…]

USFR[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

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

Return vs Bumpiness: 4 ETFs

+4.1%USFR, at 0.3% volatility

SGOVWorst drop0.0%0.2% vol

BILSWorst drop−0.0%0.2% vol

USFRWorst drop−0.0%0.3% vol

VCITWorst drop−4.9%4.5% vol

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

Paid More vs Made More

YTD

VCITUSFR

−0.7%Year to date+3.4%

5.0%Yield3.7%

+0.0%Past year+4.1%

0.03%Fee0.15%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$116BAssets$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%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026