Compare · 3 funds side by side · dividends reinvested

BND, SHM and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,086SGOV · best of the three

02 / 04

BND, SHM 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%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B1.4

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.13%−0.1%+0.3%+5.5%−0.1%−4.5%4.0%$161B2.3

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.71%+1.1%+1.7%+3.4%+1.1%−2.7%1.8%$3.5B2.4

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

End-of-day Nov 4, 2026 · returns include dividends · since: BND 2007 · SHM 2007 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Total Bond Market ETF · $161B$9,950

BND

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,542

$10,000 five years ago, dividends reinvested

BNDMeasureSHM

−0.1%Year to dateJan 1 → Nov 4+1.1%

+0.3%1 yearTotal return+1.7%

+5.5%3 years · per year$10,000 became $11,733 · $11,066+3.4%

−0.1%5 years · per year$10,000 became $9,950 · $10,542+1.1%

0.03%Expense ratio$3 · $20 a year on $10k · lower is better0.20%

4.13%Trailing 12-mo yield$413 · $271 a year on $10k2.71%

−4.5%Worst dropSmaller is better−2.7%

4.0%VolatilityLower is calmer1.8%

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

3–5SHM wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

BND vs SHM: Top 5 Holdings

Today

BND

[…]in top 5

SHM

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

End-of-day Nov 4, 2026 · share of each fund

BND vs SHM Returns, Every Period

VanguardBND

−0.1%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

BNDSHMFaded: behind in that period

1–3SHM wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

BND vs SGOV

YTD

VanguardBND

−0.1%

SGOViShares

+3.1%

−0.1%Year to date+3.1%

−4.5%Worst drop · 1Y+0.0%

4.0%Volatility · 1Y0.2%

4.1%Yield3.6%

$161BAssets$117B

3–1SGOV wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: BND, SHM, SGOV

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

SGOV0.09%$9

SHM0.20%$20

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: BND, SHM, SGOV

4.13%highest, BND

FundTrailing yieldYield$10k

BND4.13%$413

SGOV3.63%$363

SHM2.71%$271

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$410most kept, BND

BND$413 − $3 = $410

SGOV$363 − $9 = $354

SHM$271 − $20 = $251

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: BND, SHM, SGOV

Today

[…]holdings […]

BNDSHMSGOV

BND—[…][…]

SHM[…]—[…]

SGOV[…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

BNDWorst drop−4.5%4.0% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

BNDSGOV

−0.1%Year to date+3.1%

4.1%Yield3.6%

+0.3%Past year+3.7%

0.03%Fee0.09%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Three

BND vs AGG

YTD

VanguardBND

−0.1%

AGGiShares

−0.2%

−0.1%Year to date−0.2%

4.1%Yield4.1%

$161BAssets$139B

1–0BND wins

End-of-day Nov 4, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.1B

1–0BIL wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026