Compare · 4 funds side by side · dividends reinvested

QQQ, SHM, SGOV and SPY

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,509QQQ · best of the four

02 / 04

QQQ, SHM, SGOV and SPY, 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%$117B2.0

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$778B2.0

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.47%+7.2%+5.8%+23.2%+11.9%−14.8%21.3%$446B2.6

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.0%+3.4%+1.1%−2.7%1.8%$3.5B3.3

Rank among the four1st → 4thFee, 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: QQQ 1999 · SHM 2007 · SGOV 2020 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Invesco QQQ Trust, Series 1 · $446B$17,509

QQQ

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,564

$10,000 five years ago, dividends reinvested

QQQMeasureSHM

+7.2%Year to dateJan 1 → Nov 6+1.4%

+5.8%1 yearTotal return+2.0%

+23.2%3 years · per year$10,000 became $18,694 · $11,042+3.4%

+11.9%5 years · per year$10,000 became $17,509 · $10,564+1.1%

0.18%Expense ratio$18 · $20 a year on $10k · lower is better0.20%

0.47%Trailing 12-mo yield$47 · $270 a year on $10k2.70%

−14.8%Worst dropSmaller is better−2.7%

21.3%VolatilityLower is calmer1.8%

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

5–3QQQ wins

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

More Ways to See the Pairs

QQQ vs SHM: Top 5 Holdings

Today

QQQ

31.6%in top 5

SHM

in top 5[…]

QQQStockSHM

8.7%AAPLnot top 5

7.6%NVDAnot top 5

6.9%MSFTnot top 5

4.9%AMZNnot top 5

3.5%MUnot top 5

Held in common[…]

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

QQQ vs SHM Returns, Every Period

InvescoQQQ

+11.9%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

QQQSHMFaded: behind in that period

4–0QQQ wins

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

Core vs Bonds: QQQ vs SGOV

YTD

InvescoQQQ

+7.2%

SGOViShares

+3.2%

+7.2%Year to date+3.2%

−14.8%Worst drop · 1Y+0.0%

21.3%Volatility · 1Y0.2%

0.5%Yield3.6%

$446BAssets$117B

3–1SGOV wins

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

Cost, Income and Risk

Fees: QQQ, SHM, SGOV, SPY

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

SPY0.09%$9

QQQ0.18%$18

SHM0.20%$20

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

Yields: QQQ, SHM, SGOV, SPY

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SHM2.70%$270

SPY1.03%$103

QQQ0.47%$47

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

SHM$270 − $20 = $250

SPY$103 − $9 = $94

QQQ$47 − $18 = $29

KeptFee

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

Overlap: QQQ, SHM, SGOV, SPY

Today

52.1%most shared, QQQ and SPY

QQQSHMSGOVSPY

QQQ—[…][…]52.1%

SHM[…]—[…][…]

SGOV[…][…]—[…]

SPY52.1%[…][…]—

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

Return vs Bumpiness: 4 ETFs

+9.7%SPY, at 13.6% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

SPYWorst drop−8.9%13.6% vol

QQQWorst drop−14.8%21.3% vol

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

Paid More vs Made More

YTD

SGOVSPY

+3.2%Year to date+8.7%

3.6%Yield1.0%

+3.8%Past year+9.7%

0.09%Fee0.09%

2–1SPY wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+7.2%

QQQInvesco

+7.2%

+7.2%Year to date+7.2%

0.15% · $15Fee · on $10k a year0.18% · $18

$103BAssets$446B

1–0QQQM wins

End-of-day Nov 6, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

1–1level

End-of-day Nov 6, 2026