Compare · 3 funds side by side · dividends reinvested

SCHD, IBTO 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

SCHD, IBTO and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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

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

iShares iBonds Dec 2033 Term Treasury ETFBonds & Cash · Treasuries0.07%4.23%−0.9%−0.3%+4.7%[…]−5.8%4.4%$520M2.1

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: SCHD 2011 · IBTO 2023 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

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

SCHD

IBTO

iShares iBonds Dec 2033 Term Treasury ETF · $520M[…]

$10,000 five years ago, dividends reinvested

SCHDMeasureIBTO

+31.4%Year to dateJan 1 → Nov 6−0.9%

+37.0%1 yearTotal return−0.3%

+20.0%3 years · per year$10,000 became $17,266 · $11,463+4.7%

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

0.06%Expense ratio$6 · $7 a year on $10k · lower is better0.07%

3.00%Trailing 12-mo yield$300 · $423 a year on $10k4.23%

−6.9%Worst dropSmaller is better−5.8%

11.7%VolatilityLower is calmer4.4%

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

4–3SCHD wins

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

More Ways to See the Pairs

SCHD vs IBTO: Top 5 Holdings

Today

SCHD

21.4%in top 5

IBTO

in top 5[…]

SCHDStockIBTO

4.5%PGnot top 5

4.3%HDnot top 5

4.3%TXNnot top 5

4.3%KOnot top 5

4.1%AMGNnot top 5

Held in common[…]

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

SCHD vs IBTO Returns, Every Period

SchwabSCHD

+37.0%

past year

IBTOiShares

−0.3%

past year

SCHDIBTOFaded: behind in that period

3–0SCHD wins

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

Income vs Bonds: SCHD vs IBTO

YTD

SchwabSCHD

+31.4%

IBTOiShares

−0.9%

+31.4%Year to date−0.9%

−6.9%Worst drop · 1Y−5.8%

11.7%Volatility · 1Y4.4%

3.0%Yield4.2%

$120BAssets$520M

3–1IBTO wins

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

Cost, Income and Risk

Fees: SCHD, IBTO, SGOV

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

IBTO0.07%$7

SGOV0.09%$9

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

Yields: SCHD, IBTO, SGOV

4.23%highest, IBTO

FundTrailing yieldYield$10k

IBTO4.23%$423

SGOV3.63%$363

SCHD3.00%$300

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

Income After Fees on $10,000

$416most kept, IBTO

IBTO$423 − $7 = $416

SGOV$363 − $9 = $354

SCHD$300 − $6 = $294

KeptFee

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

Overlap: SCHD, IBTO, SGOV

Today

[…]holdings […]

SCHDIBTOSGOV

SCHD—[…][…]

IBTO[…]—[…]

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

IBTOWorst drop−5.8%4.4% 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

IBTOSCHD

−0.9%Year to date+31.4%

4.2%Yield3.0%

−0.3%Past year+37.0%

0.07%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$48.3B

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%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026