Compare · 3 funds side by side · dividends reinvested

SPY, SGOV and MUB

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$18,060SPY · best of the three

02 / 04

SPY, SGOV and MUB, 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%$117B1.6

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B1.9

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.28%+0.1%+0.7%+4.4%+0.7%−6.3%3.7%$54.7B2.4

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

End-of-day Nov 4, 2026 · returns include dividends · since: SPY 1993 · SGOV 2020 · MUB 2007

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $805B$18,060

SPY

SGOV

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

$10,000 five years ago, dividends reinvested

SPYMeasureSGOV

+13.3%Year to dateJan 1 → Nov 4+3.1%

+13.4%1 yearTotal return+3.7%

+24.1%3 years · per year$10,000 became $19,132 · $11,419+4.5%

+12.6%5 years · per year$10,000 became $18,060 · $12,086+3.9%

0.09%Expense ratio$9 · $9 a year on $10k · lower is better0.09%

0.99%Trailing 12-mo yield$99 · $363 a year on $10k3.63%

−8.9%Worst dropSmaller is better0.0%

12.9%VolatilityLower is calmer0.2%

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

4–3SPY wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SPY vs SGOV: Top 5 Holdings

Today

SPY

27.3%in top 5

SGOV

in top 5[…]

SPYStockSGOV

7.7%NVDAnot top 5

7.4%AAPLnot top 5

5.9%MSFTnot top 5

3.8%AMZNnot top 5

2.5%GOOGLnot top 5

Held in common[…]

End-of-day Nov 4, 2026 · share of each fund

SPY vs SGOV Returns, Every Period

SPDRSPY

+12.6%

5 years, per year

SGOViShares

+3.9%

5 years, per year

SPYSGOVFaded: behind in that period

4–0SPY wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Core vs Bonds: SPY vs SGOV

YTD

SPDRSPY

+13.3%

SGOViShares

+3.1%

+13.3%Year to date+3.1%

−8.9%Worst drop · 1Y+0.0%

12.9%Volatility · 1Y0.2%

1.0%Yield3.6%

$805BAssets$117B

3–1SGOV wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, SGOV, MUB

Today

0.05%lowest, MUB

FundExpense ratioFee$10k

MUB0.05%$5

SPY0.09%$9

SGOV0.09%$9

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: SPY, SGOV, MUB

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

MUB3.28%$328

SPY0.99%$99

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MUB$328 − $5 = $323

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: SPY, SGOV, MUB

Today

[…]holdings […]

SPYSGOVMUB

SPY—[…][…]

SGOV[…]—[…]

MUB[…][…]—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+13.4%SPY, at 12.9% volatility

SGOVWorst drop0.0%0.2% vol

MUBWorst drop−6.3%3.7% vol

SPYWorst drop−8.9%12.9% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

SGOVSPY

+3.1%Year to date+13.3%

3.6%Yield1.0%

+3.7%Past year+13.4%

0.09%Fee0.09%

2–1SPY wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 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 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026