Compare · 3 funds side by side · dividends reinvested

SHM, SGOV and QQQ

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,352QQQ · best of the three

02 / 04

SHM, SGOV and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B1.5

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.48%+5.7%+5.0%+23.3%+11.7%−14.8%21.3%$465B1.9

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.3%+2.1%+3.4%+1.1%−2.7%1.8%$3.5B2.6

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

End-of-day Nov 5, 2026 · returns include dividends · since: SHM 2007 · SGOV 2020 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,567

SHM

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,086

$10,000 five years ago, dividends reinvested

SHMMeasureSGOV

+1.3%Year to dateJan 1 → Nov 5+3.1%

+2.1%1 yearTotal return+3.7%

+3.4%3 years · per year$10,000 became $11,058 · $11,417+4.5%

+1.1%5 years · per year$10,000 became $10,567 · $12,086+3.9%

0.20%Expense ratio$20 · $9 a year on $10k · lower is better0.09%

2.70%Trailing 12-mo yield$270 · $363 a year on $10k3.63%

−2.7%Worst dropSmaller is better0.0%

1.8%VolatilityLower is calmer0.2%

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

0–8SGOV wins

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

More Ways to See the Pairs

SHM vs SGOV: Top 5 Holdings

Today

SHM

[…]in top 5

SGOV

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

SHM vs SGOV Returns, Every Period

SPDRSHM

+1.1%

5 years, per year

SGOViShares

+3.9%

5 years, per year

SHMSGOVFaded: behind in that period

0–4SGOV wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

SHM vs SGOV

YTD

SPDRSHM

+1.3%

SGOViShares

+3.1%

+1.3%Year to date+3.1%

−2.7%Worst drop · 1Y+0.0%

1.8%Volatility · 1Y0.2%

2.7%Yield3.6%

$3.5BAssets$117B

4–0SGOV wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SHM, SGOV, QQQ

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

QQQ0.18%$18

SHM0.20%$20

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: SHM, SGOV, QQQ

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SHM2.70%$270

QQQ0.48%$48

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

SHM$270 − $20 = $250

QQQ$48 − $18 = $30

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: SHM, SGOV, QQQ

Today

[…]holdings […]

SHMSGOVQQQ

SHM—[…][…]

SGOV[…]—[…]

QQQ[…][…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+5.0%QQQ, at 21.3% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

QQQWorst drop−14.8%21.3% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

SGOVQQQ

+3.1%Year to date+5.7%

3.6%Yield0.5%

+3.7%Past year+5.0%

0.09%Fee0.18%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Three

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

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

$106BAssets$465B

2–0QQQM wins

End-of-day Nov 5, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−3.7%

QQQInvesco

+5.7%

−3.7%Year to date+5.7%

0.94% · $94Fee · on $10k a year0.18% · $18

$33.2BAssets$465B

2–0QQQ wins

End-of-day Nov 5, 2026