Compare · 3 funds side by side · dividends reinvested

XLK, SGOV and MUB

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$21,164XLK · best of the three

02 / 04

XLK, 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%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.8

State Street Technology Select Sector SPDR ETFSectors · Technology0.08%0.51%+14.8%+12.2%+26.2%+16.2%−19.6%28.5%$108B1.9

iShares National Muni Bond ETFBonds & Cash · Municipal0.05%3.27%+0.5%+0.9%+4.5%+0.8%−6.3%3.7%$55.0B2.4

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

End-of-day Nov 6, 2026 · returns include dividends · since: XLK 1998 · SGOV 2020 · MUB 2007

Head to Head

Swap sides Versus in desk

Head to Head

State Street Technology Select Sector SPDR ETF · $108B$21,164

XLK

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,090

$10,000 five years ago, dividends reinvested

XLKMeasureSGOV

+14.8%Year to dateJan 1 → Nov 6+3.2%

+12.2%1 yearTotal return+3.8%

+26.2%3 years · per year$10,000 became $20,083 · $11,419+4.5%

+16.2%5 years · per year$10,000 became $21,164 · $12,090+3.9%

0.08%Expense ratio$8 · $9 a year on $10k · lower is better0.09%

0.51%Trailing 12-mo yield$51 · $363 a year on $10k3.63%

−19.6%Worst dropSmaller is better0.0%

28.5%VolatilityLower is calmer0.2%

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

5–3XLK wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLK vs SGOV: Top 5 Holdings

Today

XLK

53.7%in top 5

SGOV

in top 5[…]

XLKStockSGOV

16.9%AAPLnot top 5

14.8%NVDAnot top 5

13.4%MSFTnot top 5

4.7%AVGOnot top 5

4.0%AMDnot top 5

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

XLK vs SGOV Returns, Every Period

SPDRXLK

+16.2%

5 years, per year

SGOViShares

+3.9%

5 years, per year

XLKSGOVFaded: behind in that period

4–0XLK wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Sector vs Bonds: XLK vs SGOV

YTD

SPDRXLK

+14.8%

SGOViShares

+3.2%

+14.8%Year to date+3.2%

−19.6%Worst drop · 1Y+0.0%

28.5%Volatility · 1Y0.2%

0.5%Yield3.6%

$108BAssets$117B

3–1SGOV wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLK, SGOV, MUB

Today

0.05%lowest, MUB

FundExpense ratioFee$10k

MUB0.05%$5

XLK0.08%$8

SGOV0.09%$9

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: XLK, SGOV, MUB

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

MUB3.27%$327

XLK0.51%$51

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

MUB$327 − $5 = $322

XLK$51 − $8 = $43

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: XLK, SGOV, MUB

Today

[…]holdings […]

XLKSGOVMUB

XLK—[…][…]

SGOV[…]—[…]

MUB[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+12.2%XLK, at 28.5% volatility

SGOVWorst drop0.0%0.2% vol

MUBWorst drop−6.3%3.7% vol

XLKWorst drop−19.6%28.5% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

SGOVXLK

+3.2%Year to date+14.8%

3.6%Yield0.5%

+3.8%Past year+12.2%

0.09%Fee0.08%

3–1XLK wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.3B

1–1level

End-of-day Nov 6, 2026

XLK vs VGT

YTD

SPDRXLK

+14.8%

VGTVanguard

+15.6%

+14.8%Year to date+15.6%

0.08% · $8Fee · on $10k a year0.09% · $9

$108BAssets$155B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026