Compare · 3 funds side by side · dividends reinvested

USFR, BIL and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,178USFR · best of the three

02 / 04

USFR, BIL and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

WisdomTree Floating Rate Treasury FundBonds & Cash · Cash & T-bills0.15%3.71%+3.4%+4.1%+4.6%+4.0%−0.0%0.3%$21.3B1.8

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%$117B1.8

State Street SPDR Bloomberg 1-3 Month T-Bill ETFBonds & Cash · Cash & T-bills0.14%3.67%+3.1%+3.7%+4.4%+3.7%−0.0%0.2%$48.1B2.5

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: USFR 2014 · BIL 2007 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

WisdomTree Floating Rate Treasury Fund · $21.3B$12,178

USFR

BIL

State Street SPDR Bloomberg 1-3 Month T-Bill ETF · $48.1B$12,015

$10,000 five years ago, dividends reinvested

USFRMeasureBIL

+3.4%Year to dateJan 1 → Nov 4+3.1%

+4.1%1 yearTotal return+3.7%

+4.6%3 years · per year$10,000 became $11,451 · $11,392+4.4%

+4.0%5 years · per year$10,000 became $12,178 · $12,015+3.7%

0.15%Expense ratio$15 · $14 a year on $10k · lower is better0.14%

3.71%Trailing 12-mo yield$371 · $367 a year on $10k3.67%

−0.0%Worst dropSmaller is better−0.0%

0.3%VolatilityLower is calmer0.2%

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

5–2USFR wins

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

More Ways to See the Pairs

USFR vs BIL: Top 5 Holdings

Today

USFR

[…]in top 5

BIL

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

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

USFR vs BIL Returns, Every Period

WisdomTreeUSFR

+4.0%

5 years, per year

BILSPDR

+3.7%

5 years, per year

USFRBILFaded: behind in that period

4–0USFR wins

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

USFR vs BIL

YTD

WisdomTreeUSFR

+3.4%

BILSPDR

+3.1%

+3.4%Year to date+3.1%

−0.0%Worst drop · 1Y−0.0%

0.3%Volatility · 1Y0.2%

3.7%Yield3.7%

$21.3BAssets$48.1B

1–1level

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

Cost, Income and Risk

Fees: USFR, BIL, SGOV

Today

0.09%lowest, SGOV

FundExpense ratioFee$10k

SGOV0.09%$9

BIL0.14%$14

USFR0.15%$15

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

Yields: USFR, BIL, SGOV

3.71%highest, USFR

FundTrailing yieldYield$10k

USFR3.71%$371

BIL3.67%$367

SGOV3.63%$363

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

Income After Fees on $10,000

$356most kept, USFR

USFR$371 − $15 = $356

SGOV$363 − $9 = $354

BIL$367 − $14 = $353

KeptFee

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

Overlap: USFR, BIL, SGOV

Today

[…]holdings […]

USFRBILSGOV

USFR—[…][…]

BIL[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+4.1%USFR, at 0.3% volatility

SGOVWorst drop0.0%0.2% vol

BILWorst drop−0.0%0.2% vol

USFRWorst drop−0.0%0.3% vol

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

Paid More vs Made More

YTD

USFRSGOV

+3.4%Year to date+3.1%

3.7%Yield3.6%

+4.1%Past year+3.7%

0.15%Fee0.09%

3–1USFR wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026