Compare · 3 funds side by side · dividends reinvested

MUB, XLF and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,690XLF · best of the three

02 / 04

MUB, XLF 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%$116B1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B1.9

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.26%+0.7%+1.1%+4.1%+0.8%−6.3%3.7%$55.1B2.4

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

End-of-day Nov 9, 2026 · returns include dividends · since: MUB 2007 · XLF 1998 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

iShares National Muni Bond ETF · $55.1B$10,432

MUB

XLF

State Street Financial Select Sector SPDR ETF · $53.4B$15,690

$10,000 five years ago, dividends reinvested

MUBMeasureXLF

+0.7%Year to dateJan 1 → Nov 9+7.2%

+1.1%1 yearTotal return+12.4%

+4.1%3 years · per year$10,000 became $11,293 · $18,230+22.2%

+0.8%5 years · per year$10,000 became $10,432 · $15,690+9.4%

0.05%Expense ratio$5 · $8 a year on $10k · lower is better0.08%

3.26%Trailing 12-mo yield$326 · $142 a year on $10k1.42%

−6.3%Worst dropSmaller is better−14.8%

3.7%VolatilityLower is calmer15.3%

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

4–4Level

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

More Ways to See the Pairs

MUB vs XLF: Top 5 Holdings

Today

MUB

[…]in top 5

XLF

in top 543.8%

MUBStockXLF

not top 5BRK-B13.2%

not top 5JPM11.1%

not top 5V9.0%

not top 5MA6.6%

not top 5BAC4.0%

Held in common[…]

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

MUB vs XLF Returns, Every Period

iSharesMUB

+0.8%

5 years, per year

XLFSPDR

+9.4%

5 years, per year

MUBXLFFaded: behind in that period

0–4XLF wins

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

MUB vs SGOV

YTD

iSharesMUB

+0.7%

SGOViShares

+3.2%

+0.7%Year to date+3.2%

−6.3%Worst drop · 1Y+0.0%

3.7%Volatility · 1Y0.2%

3.3%Yield3.6%

$55.1BAssets$116B

4–0SGOV wins

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

Cost, Income and Risk

Fees: MUB, XLF, SGOV

Today

0.05%lowest, MUB

FundExpense ratioFee$10k

MUB0.05%$5

XLF0.08%$8

SGOV0.09%$9

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

Yields: MUB, XLF, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

MUB3.26%$326

XLF1.42%$142

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MUB$326 − $5 = $321

XLF$142 − $8 = $134

KeptFee

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

Overlap: MUB, XLF, SGOV

Today

[…]holdings […]

MUBXLFSGOV

MUB—[…][…]

XLF[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+12.4%XLF, at 15.3% volatility

SGOVWorst drop0.0%0.2% vol

MUBWorst drop−6.3%3.7% vol

XLFWorst drop−14.8%15.3% vol

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

Paid More vs Made More

YTD

SGOVXLF

+3.2%Year to date+7.2%

3.6%Yield1.4%

+3.8%Past year+12.4%

0.09%Fee0.08%

3–1XLF wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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