Compare · 3 funds side by side · dividends reinvested

SPY, SHM and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,493SPY · best of the three

02 / 04

SPY, SHM 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%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$116B1.5

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B1.8

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.1%+3.3%+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 9, 2026 · returns include dividends · since: SPY 1993 · SHM 2007 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

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

SGOV

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,571

$10,000 five years ago, dividends reinvested

SGOVMeasureSHM

+3.2%Year to dateJan 1 → Nov 9+1.4%

+3.8%1 yearTotal return+2.1%

+4.5%3 years · per year$10,000 became $11,417 · $11,019+3.3%

+3.9%5 years · per year$10,000 became $12,091 · $10,571+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 9, 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 9, 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 9, 2026 · dividends in · faded = behind in that period

SGOV vs SHM

YTD

iSharesSGOV

+3.2%

SHMSPDR

+1.4%

+3.2%Year to date+1.4%

+0.0%Worst drop · 1Y−2.7%

0.2%Volatility · 1Y1.8%

3.6%Yield2.7%

$116BAssets$3.5B

4–0SGOV wins

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

Cost, Income and Risk

Fees: SPY, SHM, SGOV

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

SGOV0.09%$9

SHM0.20%$20

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

Yields: SPY, SHM, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SHM2.70%$270

SPY1.01%$101

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

SHM$270 − $20 = $250

SPY$101 − $9 = $92

KeptFee

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

Overlap: SPY, SHM, SGOV

Today

[…]holdings […]

SPYSHMSGOV

SPY—[…][…]

SHM[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+13.5%SPY, at 13.7% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

SPYWorst drop−8.9%13.7% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

SGOVSPY

+3.2%Year to date+11.2%

3.6%Yield1.0%

+3.8%Past year+13.5%

0.09%Fee0.09%

2–1SPY wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM 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

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