Compare · 3 funds side by side · dividends reinvested

SHM, SPY and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,099SPY · best of the three

02 / 04

SHM, SPY 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%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B1.5

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$819B1.8

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 · SPY 1993 · SGOV 2020

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

SPY

State Street SPDR S&P 500 ETF · $819B$17,099

$10,000 five years ago, dividends reinvested

SHMMeasureSPY

+1.3%Year to dateJan 1 → Nov 5+8.3%

+2.1%1 yearTotal return+9.7%

+3.4%3 years · per year$10,000 became $11,058 · $18,174+22.0%

+1.1%5 years · per year$10,000 became $10,567 · $17,099+11.3%

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

2.70%Trailing 12-mo yield$270 · $103 a year on $10k1.03%

−2.7%Worst dropSmaller is better−8.9%

1.8%VolatilityLower is calmer13.6%

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

3–5SPY 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 SPY: Top 5 Holdings

Today

SHM

[…]in top 5

SPY

in top 527.7%

SHMStockSPY

not top 5AAPL7.7%

not top 5NVDA7.3%

not top 5MSFT6.2%

not top 5AMZN3.9%

not top 5GOOGL2.6%

Held in common[…]

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

SHM vs SPY Returns, Every Period

SPDRSHM

+1.1%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

SHMSPYFaded: behind in that period

0–4SPY 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, SPY, SGOV

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

SGOV0.09%$9

SHM0.20%$20

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

Yields: SHM, SPY, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SHM2.70%$270

SPY1.03%$103

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

SPY$103 − $9 = $94

KeptFee

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

Overlap: SHM, SPY, SGOV

Today

[…]holdings […]

SHMSPYSGOV

SHM—[…][…]

SPY[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+9.7%SPY, at 13.6% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

SPYWorst drop−8.9%13.6% vol

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

Paid More vs Made More

YTD

SGOVSPY

+3.1%Year to date+8.3%

3.6%Yield1.0%

+3.7%Past year+9.7%

0.09%Fee0.09%

2–1SPY wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM 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

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026