SGOV vs OBIL

ASGOV

BOBIL

Measures won4–1SGOV wins · of 6 · 5Y

$10,000 · 5Y$12,086SGOV · VCIT $10,508

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

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

Held in common[…]SGOV and OBIL

SGOV

OBIL

iShares 0-3 Month Treasury Bond ETF · $117BUS Treasury 12 Month Bill ETF · $337M

+4.5%3 years · per year$11,417 · $11,393+4.4%

+3.9%5 years · per year$12,086 · […][…]

0.09%Expense ratio$9 · $15 on $10k · lower wins0.15%

3.63%12-mo yield$363 · $372 on $10k3.72%

0.0%Worst dropSmaller wins−0.2%

0.2%VolatilityLower wins0.6%

4–1SGOV wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSGOV · OBIL

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

Held in common[…]

End-of-day Nov 5, 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	ASGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.2%	+0.1%	+0.4%	+5.6%	0.0%	−4.5%	$161.4B
4	BOBIL	US Treasury 12 Month Bill ETFRead Desk	0.15%	3.72%	+0.1%	+2.7%	+3.4%	+4.4%	new	−0.2%	$337M

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

All Four

5Y4 funds

#
1	ASGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.1%	+3.7%	+4.5%	+3.9%	0.0%	$116.9B
2	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.2%	−0.6%	+0.3%	+7.3%	+1.0%	−4.9%	$66.6B
3	BND	Vanguard Total Bond Market ETFRead Desk	0.03%	4.12%	+0.2%	+0.1%	+0.4%	+5.6%	0.0%	−4.5%	$161.4B
4	BOBIL	US Treasury 12 Month Bill ETFRead Desk	0.15%	3.72%	+0.1%	+2.7%	+3.4%	+4.4%	new	−0.2%	$337M

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

Cards for this view

SGOV vs OBIL

SGOV

iShares 0-3 Month Treasury Bond

$12,086

OBIL

US Treasury 12 Month Bill

[…]

MeasureSGOVOBIL

Fee0.09%0.15%

Cost on $10k a year$9$15

Yield3.63%3.72%

5 years, per year+3.9%[…]

3 years, per year+4.5%+4.4%

Worst drop · 1Y+0.0%−0.2%

Volatility · 1Y0.2%0.6%

4–1measures won
SGOV first

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

BND vs AGG

YTD

VanguardBND

+0.1%

AGGiShares

+0.1%

+0.1%Year to date+0.1%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 5, 2026

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

Overlap: VCIT, OBIL, SGOV, BND

Today

[…]holdings […]

VCITOBILSGOVBND

VCIT—[…][…][…]

OBIL[…]—[…][…]

SGOV[…][…]—[…]

BND[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BND$412 − $3 = $409

OBIL$372 − $15 = $357

SGOV$363 − $9 = $354

KeptFee

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