Compare · 3 funds side by side · dividends reinvested

VMBS, SMBS and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$12,086SGOV · best of the three

02 / 04

VMBS, SMBS 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%$117B1.6

Vanguard Mortgage-Backed Securities ETFBonds & Cash · Mortgage0.03%4.31%+0.4%+1.2%+6.6%+0.5%−5.1%4.7%$15.5B1.9

Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETFBonds & Cash · Mortgage0.03%5.28%+0.4%+1.1%[…][…]−5.2%4.7%$6.5B2.2

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: VMBS 2009 · SMBS 2024 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Mortgage-Backed Securities ETF · $15.5B$10,259

VMBS

SMBS

Schwab Strategic Trust - Schwab Mortgage-Backed Securities ETF · $6.5B[…]

$10,000 five years ago, dividends reinvested

VMBSMeasureSMBS

+0.4%Year to dateJan 1 → Nov 5+0.4%

+1.2%1 yearTotal return+1.1%

+6.6%3 years · per year$10,000 became $12,128 · […][…]

+0.5%5 years · per year$10,000 became $10,259 · […][…]

0.03%Expense ratio$3 · $3 a year on $10k · lower is better0.03%

4.31%Trailing 12-mo yield$431 · $528 a year on $10k5.28%

−5.1%Worst dropSmaller is better−5.2%

4.7%VolatilityLower is calmer4.7%

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

2–1VMBS wins

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

More Ways to See the Pairs

VMBS vs SMBS: Top 5 Holdings

Today

VMBS

[…]in top 5

SMBS

in top 50.4%

VMBSStockSMBS

not top 5GVMXX0.4%

Held in common[…]

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

VMBS vs SMBS Returns, Every Period

VanguardVMBS

+1.2%

past year

SMBSSchwab

+1.1%

past year

VMBSSMBSFaded: behind in that period

1–0VMBS wins

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

VMBS vs SMBS

YTD

VanguardVMBS

+0.4%

SMBSSchwab

+0.4%

+0.4%Year to date+0.4%

−5.1%Worst drop · 1Y−5.2%

4.7%Volatility · 1Y4.7%

4.3%Yield5.3%

$15.5BAssets$6.5B

1–1level

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

Cost, Income and Risk

Fees: VMBS, SMBS, SGOV

Today

0.03%lowest, VMBS

FundExpense ratioFee$10k

VMBS0.03%$3

SMBS0.03%$3

SGOV0.09%$9

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

Yields: VMBS, SMBS, SGOV

5.28%highest, SMBS

FundTrailing yieldYield$10k

SMBS5.28%$528

VMBS4.31%$431

SGOV3.63%$363

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

Income After Fees on $10,000

$525most kept, SMBS

SMBS$528 − $3 = $525

VMBS$431 − $3 = $428

SGOV$363 − $9 = $354

KeptFee

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

Overlap: VMBS, SMBS, SGOV

Today

[…]holdings […]

VMBSSMBSSGOV

VMBS—[…][…]

SMBS[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+3.7%SGOV, at 0.2% volatility

SGOVWorst drop0.0%0.2% vol

VMBSWorst drop−5.1%4.7% vol

SMBSWorst drop−5.2%4.7% vol

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

Paid More vs Made More

YTD

SMBSSGOV

+0.4%Year to date+3.1%

5.3%Yield3.6%

+1.1%Past year+3.7%

0.03%Fee0.09%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Three

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026