SGOV vs SHM

ASGOV

BSHM

Measures won6–0SGOV wins · of 6 · 5Y

$10,000 · 5Y$17,545IVV · SGOV $12,091

Lowest cost0.03%IVV · $3 on $10k

Most income3.63%SGOV · $363 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]SGOV and SHM

SGOV

SHM

iShares 0-3 Month Treasury Bond ETF · $117BState Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B

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

+3.9%5 years · per year$12,091 · $10,571+1.1%

0.09%Expense ratio$9 · $20 on $10k · lower wins0.20%

3.63%12-mo yield$363 · $270 on $10k2.70%

0.0%Worst dropSmaller wins−2.7%

0.2%VolatilityLower wins1.8%

6–0SGOV wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsSGOV · SHM

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$852.9B
2	ASGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.5B
3	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$852.9B
2	ASGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.5B
3	BSHM	State Street SPDR Nuveen ICE Short Term Municipal Bond ETFRead Desk	0.20%	2.70%	0.0%	+1.4%	+2.1%	+3.3%	+1.1%	−2.7%	$3.5B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

SGOV vs SHM

SGOV

iShares 0-3 Month Treasury Bond

$12,091

SHM

SPDR Nuveen ICE Short Term Municipal Bond

$10,571

MeasureSGOVSHM

Fee0.09%0.20%

Cost on $10k a year$9$20

Yield3.63%2.70%

5 years, per year+3.9%+1.1%

3 years, per year+4.5%+3.3%

Worst drop · 1Y+0.0%−2.7%

Volatility · 1Y0.2%1.8%

6–0measures won
SGOV first

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

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%

$117BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 9, 2026

Overlap: IVV, SHM, SGOV

Today

[…]holdings […]

IVVSHMSGOV

IVV—[…][…]

SHM[…]—[…]

SGOV[…][…]—

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

SHM$270 − $20 = $250

IVV$111 − $3 = $108

KeptFee

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