Compare · 3 funds side by side · dividends reinvested

SBIL, SCHD and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,267SCHD · best of the three

02 / 04

SBIL, SCHD 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%$117B1.6

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%3.00%+31.4%+37.0%+20.0%+10.2%−6.9%11.7%$120B1.8

Simplify Government Money Market ETFBonds & Cash · Cash & T-bills0.15%3.62%+3.1%+3.7%[…][…]−0.0%0.2%$4.1B2.5

Rank among the three1st → 3rdFee, 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: SBIL 2025 · SCHD 2011 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Simplify Government Money Market ETF · $4.1B[…]

SBIL

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,267

$10,000 five years ago, dividends reinvested

SBILMeasureSCHD

+3.1%Year to dateJan 1 → Nov 6+31.4%

+3.7%1 yearTotal return+37.0%

[…]3 years · per year$10,000 became […] · $17,266+20.0%

[…]5 years · per year$10,000 became […] · $16,267+10.2%

0.15%Expense ratio$15 · $6 a year on $10k · lower is better0.06%

3.62%Trailing 12-mo yield$362 · $300 a year on $10k3.00%

−0.0%Worst dropSmaller is better−6.9%

0.2%VolatilityLower is calmer11.7%

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

3–3Level

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

More Ways to See the Pairs

SBIL vs SCHD: Top 5 Holdings

Today

SBIL

[…]in top 5

SCHD

in top 521.4%

SBILStockSCHD

not top 5PG4.5%

not top 5HD4.3%

not top 5TXN4.3%

not top 5KO4.3%

not top 5AMGN4.1%

Held in common[…]

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

SBIL vs SCHD Returns, Every Period

SimplifySBIL

+3.7%

past year

SCHDSchwab

+37.0%

past year

SBILSCHDFaded: behind in that period

0–2SCHD wins

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

SBIL vs SGOV

YTD

SimplifySBIL

+3.1%

SGOViShares

+3.2%

+3.1%Year to date+3.2%

−0.0%Worst drop · 1Y+0.0%

0.2%Volatility · 1Y0.2%

3.6%Yield3.6%

$4.1BAssets$117B

2–0SGOV wins

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

Cost, Income and Risk

Fees: SBIL, SCHD, SGOV

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

SGOV0.09%$9

SBIL0.15%$15

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

Yields: SBIL, SCHD, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SBIL3.62%$362

SCHD3.00%$300

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

SBIL$362 − $15 = $347

SCHD$300 − $6 = $294

KeptFee

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

Overlap: SBIL, SCHD, SGOV

Today

[…]holdings […]

SBILSCHDSGOV

SBIL—[…][…]

SCHD[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+37.0%SCHD, at 11.7% volatility

SGOVWorst drop0.0%0.2% vol

SBILWorst drop−0.0%0.2% vol

SCHDWorst drop−6.9%11.7% vol

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

Paid More vs Made More

YTD

SGOVSCHD

+3.2%Year to date+31.4%

3.6%Yield3.0%

+3.8%Past year+37.0%

0.09%Fee0.06%

3–1SCHD wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD 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$48.4B

1–1level

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026