FZDXX vs SGOV: Yield, Cost and Returns Compared
As of Nov 5, 2026, SGOV yields more: 3.64% (current yield) against 3.51% for FZDXX. FZDXX's income is fully taxable, state tax included; SGOV's is generally exempt from state income tax. SGOV trades like a stock at any broker; FZDXX is Fidelity's money market fund, usually held in a Fidelity account.
SGOViShares 0-3 Month Treasury Bond ETF3.64%current yield| Compared | FZDXX | SGOV |
|---|---|---|
| YieldFZDXX: 7-day yield; SGOV: current yield | 3.51% | 3.64% |
| Expense ratio | In the yield | 0.09% |
| Total return, 1 yr | — | +3.7% |
| Total return, 3 yr (a year) | — | +4.5% |
| Total return, 5 yr (a year) | — | +3.8% |
| Pays | Monthly | Monthly |
| Issuer | Fidelity | iShares |
| Assets | — | $116.8B |
| Started | — | 2020 |
| Type | Prime money market | Treasury ETF |
Higher yield
SGOV
3.64%
Lighter state tax
SGOV
exempt from state income tax
$10,000 earns
$364
a year in SGOV
Key facts: FZDXX vs SGOV
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, FZDXX yields 3.51% (7-day yield) and SGOV yields 3.64% (current yield).
- FZDXX's income is fully taxable, state tax included, while SGOV's is generally exempt from state income tax.
- SGOV trades like a stock at any broker; FZDXX is Fidelity's money market fund, usually held in a Fidelity account.
Cite this page
SmarterDividends, "FZDXX vs SGOV: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/fzdxx-vs-sgov
What each holds and how it's taxed
- FZDXX · Prime money market
- A prime money market fund: it also holds short-term corporate debt, which usually pays a little more. Its income is fully taxable, state tax included.
- SGOV · Treasury ETF
- Holds U.S. Treasury securities, so its income is generally exempt from state and local income tax (federal tax still applies).
General information, not tax advice. Every cash fund by yield →
FZDXX vs SGOV: questions
Is FZDXX or SGOV better?
It depends on the job. SGOV pays more today (3.64% vs 3.51%). For cash you may need soon, yield after tax and how easily you can get the money out matter more than past returns.
Which pays a higher dividend, FZDXX or SGOV?
SGOV, at 3.64% against 3.51% for FZDXX as of Nov 5, 2026. On $10,000 that's about $364 vs $351 a year at today's rates.
How are FZDXX and SGOV taxed?
FZDXX: A prime money market fund: it also holds short-term corporate debt, which usually pays a little more. Its income is fully taxable, state tax included. SGOV: Holds U.S. Treasury securities, so its income is generally exempt from state and local income tax (federal tax still applies). General information, not tax advice.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. SGOV leads on 1 of 1 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.