Compare · 3 funds side by side · dividends reinvested

SCHD, SHM 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, SHM 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%$120B1.6

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

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%$3.5B2.8

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 · SHM 2007 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

iShares 0-3 Month Treasury Bond ETF · $117B$12,090

SGOV

SHM

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

$10,000 five years ago, dividends reinvested

SGOVMeasureSHM

+3.2%Year to dateJan 1 → Nov 6+1.4%

+3.8%1 yearTotal return+2.0%

+4.5%3 years · per year$10,000 became $11,419 · $11,042+3.4%

+3.9%5 years · per year$10,000 became $12,090 · $10,564+1.1%

0.09%Expense ratio$9 · $20 a year on $10k · lower is better0.20%

3.63%Trailing 12-mo yield$363 · $270 a year on $10k2.70%

0.0%Worst dropSmaller is better−2.7%

0.2%VolatilityLower is calmer1.8%

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

8–0SGOV wins

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

More Ways to See the Pairs

SGOV vs SHM: Top 5 Holdings

Today

SGOV

[…]in top 5

SHM

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

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

SGOV vs SHM Returns, Every Period

iSharesSGOV

+3.9%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

SGOVSHMFaded: behind in that period

4–0SGOV wins

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

Bonds vs Income: SGOV vs SCHD

YTD

iSharesSGOV

+3.2%

SCHDSchwab

+31.4%

+3.2%Year to date+31.4%

+0.0%Worst drop · 1Y−6.9%

0.2%Volatility · 1Y11.7%

3.6%Yield3.0%

$117BAssets$120B

3–1SGOV wins

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

Cost, Income and Risk

Fees: SCHD, SHM, SGOV

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

SGOV0.09%$9

SHM0.20%$20

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

Yields: SCHD, SHM, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SCHD3.00%$300

SHM2.70%$270

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

SCHD$300 − $6 = $294

SHM$270 − $20 = $250

KeptFee

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

Overlap: SCHD, SHM, SGOV

Today

[…]holdings […]

SCHDSHMSGOV

SCHD—[…][…]

SHM[…]—[…]

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

SHMWorst drop−2.7%1.8% 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$48.3B

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