Compare · 3 funds side by side · dividends reinvested

SCHD, SGOV and XLF

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,459SCHD · best of the three

02 / 04

SCHD, SGOV and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$122B1.5

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%$116B2.3

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B2.3

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

End-of-day Nov 9, 2026 · returns include dividends · since: SCHD 2011 · SGOV 2020 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

Schwab U.S. Dividend Equity ETF · $122B$16,459

SCHD

SGOV

iShares 0-3 Month Treasury Bond ETF · $116B$12,091

$10,000 five years ago, dividends reinvested

SCHDMeasureSGOV

+33.2%Year to dateJan 1 → Nov 9+3.2%

+39.1%1 yearTotal return+3.8%

+19.6%3 years · per year$10,000 became $17,123 · $11,417+4.5%

+10.5%5 years · per year$10,000 became $16,459 · $12,091+3.9%

0.06%Expense ratio$6 · $9 a year on $10k · lower is better0.09%

2.96%Trailing 12-mo yield$296 · $363 a year on $10k3.63%

−6.9%Worst dropSmaller is better0.0%

11.8%VolatilityLower is calmer0.2%

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

5–3SCHD wins

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

More Ways to See the Pairs

SCHD vs SGOV: Top 5 Holdings

Today

SCHD

21.4%in top 5

SGOV

in top 5[…]

SCHDStockSGOV

4.4%PGnot top 5

4.3%TXNnot top 5

4.3%KOnot top 5

4.3%HDnot top 5

4.1%AMGNnot top 5

Held in common[…]

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

SCHD vs SGOV Returns, Every Period

SchwabSCHD

+10.5%

5 years, per year

SGOViShares

+3.9%

5 years, per year

SCHDSGOVFaded: behind in that period

4–0SCHD wins

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

Income vs Bonds: SCHD vs SGOV

YTD

SchwabSCHD

+33.2%

SGOViShares

+3.2%

+33.2%Year to date+3.2%

−6.9%Worst drop · 1Y+0.0%

11.8%Volatility · 1Y0.2%

3.0%Yield3.6%

$122BAssets$116B

3–1SGOV wins

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

Cost, Income and Risk

Fees: SCHD, SGOV, XLF

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

XLF0.08%$8

SGOV0.09%$9

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

Yields: SCHD, SGOV, XLF

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SCHD2.96%$296

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

SCHD$296 − $6 = $290

XLF$142 − $8 = $134

KeptFee

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

Overlap: SCHD, SGOV, XLF

Today

3.4%most shared, SCHD and XLF

SCHDSGOVXLF

SCHD—[…]3.4%

SGOV[…]—[…]

XLF3.4%[…]—

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

Return vs Bumpiness: 3 ETFs

+39.1%SCHD, at 11.8% volatility

SGOVWorst drop0.0%0.2% vol

SCHDWorst drop−6.9%11.8% 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

SGOVSCHD

+3.2%Year to date+33.2%

3.6%Yield3.0%

+3.8%Past year+39.1%

0.09%Fee0.06%

3–1SCHD wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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

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

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