Compare · 3 funds side by side · dividends reinvested

MTBA, SMBS 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

MTBA, SMBS 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

Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFBonds & Cash · Mortgage0.03%5.28%+0.4%+1.1%[…][…]−5.2%4.7%$6.5B2.2

Simplify MBS ETFBonds & Cash · Mortgage0.28%6.07%−0.5%+0.5%[…][…]−4.6%3.7%$900M2.3

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

End-of-day Nov 5, 2026 · returns include dividends · since: MTBA 2023 · SMBS 2024 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Simplify MBS ETF · $900M[…]

MTBA

SMBS

Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETF · $6.5B[…]

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

MTBAMeasureSMBS

−0.5%Year to dateJan 1 → Nov 5+0.4%

+0.5%1 yearTotal return+1.1%

[…]3 years · per year[…]

[…]5 years · per year[…]

0.28%Expense ratio$28 · $3 a year on $10k · lower is better0.03%

6.07%Trailing 12-mo yield$607 · $528 a year on $10k5.28%

−4.6%Worst dropSmaller is better−5.2%

3.7%VolatilityLower is calmer4.7%

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

3–3Level

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

More Ways to See the Pairs

MTBA vs SMBS: Top 5 Holdings

Today

MTBA

46.0%in top 5

SMBS

in top 50.4%

MTBAStockSMBS

46.0%SBILnot top 5

not top 5GVMXX0.4%

Held in common0.0%

End-of-day Nov 5, 2026 · share of each fund

MTBA vs SMBS Returns, Every Period

SimplifyMTBA

+0.5%

past year

SMBSSchwab

+1.1%

past year

MTBASMBSFaded: behind in that period

0–2SMBS wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

MTBA vs SMBS

YTD

SimplifyMTBA

−0.5%

SMBSSchwab

+0.4%

−0.5%Year to date+0.4%

−4.6%Worst drop · 1Y−5.2%

3.7%Volatility · 1Y4.7%

6.1%Yield5.3%

$900MAssets$6.5B

3–1MTBA wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: MTBA, SMBS, SGOV

Today

0.03%lowest, SMBS

FundExpense ratioFee$10k

SMBS0.03%$3

SGOV0.09%$9

MTBA0.28%$28

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: MTBA, SMBS, SGOV

6.07%highest, MTBA

FundTrailing yieldYield$10k

MTBA6.07%$607

SMBS5.28%$528

SGOV3.63%$363

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$579most kept, MTBA

MTBA$607 − $28 = $579

SMBS$528 − $3 = $525

SGOV$363 − $9 = $354

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: MTBA, SMBS, SGOV

Today

0.0%most shared, MTBA and SMBS

MTBASMBSSGOV

MTBA—0.0%[…]

SMBS0.0%—[…]

SGOV[…][…]—

End-of-day Nov 5, 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

MTBAWorst drop−4.6%3.7% vol

SMBSWorst drop−5.2%4.7% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

MTBASGOV

−0.5%Year to date+3.1%

6.1%Yield3.6%

+0.5%Past year+3.7%

0.28%Fee0.09%

3–1SGOV wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026