Compare · 3 funds side by side · dividends reinvested

VTI, SHM and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,697VTI · best of the three

02 / 04

VTI, 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%$117B1.6

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.8

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: VTI 2001 · SHM 2007 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$16,697

VTI

SHM

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

$10,000 five years ago, dividends reinvested

VTIMeasureSHM

+11.6%Year to dateJan 1 → Nov 9+1.4%

+13.9%1 yearTotal return+2.1%

+21.8%3 years · per year$10,000 became $18,090 · $11,019+3.3%

+10.8%5 years · per year$10,000 became $16,697 · $10,571+1.1%

0.03%Expense ratio$3 · $20 a year on $10k · lower is better0.20%

1.06%Trailing 12-mo yield$106 · $270 a year on $10k2.70%

−8.9%Worst dropSmaller is better−2.7%

13.9%VolatilityLower is calmer1.8%

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

5–3VTI wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

VTI vs SHM: Top 5 Holdings

Today

VTI

25.0%in top 5

SHM

in top 5[…]

VTIStockSHM

7.1%NVDAnot top 5

6.6%AAPLnot top 5

5.2%MSFTnot top 5

3.3%AMZNnot top 5

2.8%GOOGLnot top 5

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

VTI vs SHM Returns, Every Period

VanguardVTI

+10.8%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

VTISHMFaded: behind in that period

4–0VTI wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Core vs Bonds: VTI vs SGOV

YTD

VanguardVTI

+11.6%

SGOViShares

+3.2%

+11.6%Year to date+3.2%

−8.9%Worst drop · 1Y+0.0%

13.9%Volatility · 1Y0.2%

1.1%Yield3.6%

$689BAssets$117B

3–1SGOV wins

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

Cost, Income and Risk

Fees: VTI, SHM, SGOV

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SGOV0.09%$9

SHM0.20%$20

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

Yields: VTI, SHM, SGOV

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

SHM2.70%$270

VTI1.06%$106

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

VTI$106 − $3 = $103

KeptFee

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

Overlap: VTI, SHM, SGOV

Today

[…]holdings […]

VTISHMSGOV

VTI—[…][…]

SHM[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+13.9%VTI, at 13.9% volatility

SGOVWorst drop0.0%0.2% vol

SHMWorst drop−2.7%1.8% vol

VTIWorst drop−8.9%13.9% vol

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

Paid More vs Made More

YTD

SGOVVTI

+3.2%Year to date+11.6%

3.6%Yield1.1%

+3.8%Past year+13.9%

0.09%Fee0.03%

3–1VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI 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%

$117BAssets$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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026