SCHD vs SGOV

ASCHD

BSGOV

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$16,459SCHD · SGOV $12,091

Lowest cost0.03%BND · $3 on $10k

Most income4.12%BND · $412 on $10k

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

Held in common[…]SCHD and SGOV

SCHD

SGOV

Schwab U.S. Dividend Equity ETF · $122BiShares 0-3 Month Treasury Bond ETF · $116B

+19.6%3 years · per year$17,123 · $11,417+4.5%

+10.5%5 years · per year$16,459 · $12,091+3.9%

0.06%Expense ratio$6 · $9 on $10k · lower wins0.09%

2.96%12-mo yield$296 · $363 on $10k3.63%

−6.9%Worst dropSmaller wins0.0%

11.8%VolatilityLower wins0.2%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSCHD · SGOV

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 Four

5Y4 funds

#
1	ASCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	2.96%	+1.4%	+33.2%	+39.1%	+19.6%	+10.5%	−6.9%	$121.7B
2	BSGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
3	LEMB	iShares J.P. Morgan EM Local Currency Bond ETFRead Desk	0.30%	2.39%	+0.6%	+2.0%	+4.8%	+8.0%	+2.0%	−6.0%	$787M
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

All Four

5Y4 funds

#
1	ASCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	2.96%	+1.4%	+33.2%	+39.1%	+19.6%	+10.5%	−6.9%	$121.7B
2	BSGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
3	LEMB	iShares J.P. Morgan EM Local Currency Bond ETFRead Desk	0.30%	2.39%	+0.6%	+2.0%	+4.8%	+8.0%	+2.0%	−6.0%	$787M
4	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	0.0%	0.0%	+0.3%	+5.0%	0.0%	−4.5%	$161.4B

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

SCHD vs SGOV

SCHD

Schwab U.S. Dividend Equity

$16,459

SGOV

iShares 0-3 Month Treasury Bond

$12,091

MeasureSCHDSGOV

Fee0.06%0.09%

Cost on $10k a year$6$9

Yield2.96%3.63%

5 years, per year+10.5%+3.9%

3 years, per year+19.6%+4.5%

Worst drop · 1Y−6.9%+0.0%

Volatility · 1Y11.8%0.2%

3–3measures won
level

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

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

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%

$116BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

Overlap: LEMB, SGOV, SCHD, BND

Today

[…]holdings […]

LEMBSGOVSCHDBND

LEMB—[…][…][…]

SGOV[…]—[…][…]

SCHD[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

SGOV$363 − $9 = $354

SCHD$296 − $6 = $290

LEMB$239 − $30 = $209

KeptFee

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