SGOV vs SNSXX: Yield, Cost and Returns Compared
As of Nov 5, 2026, SNSXX yields more: 3.68% (7-day yield) against 3.64% for SGOV. SGOV's income is generally exempt from state income tax; SNSXX's is mostly exempt from state income tax. SGOV trades like a stock at any broker; SNSXX is Schwab's money market fund, usually held in a Schwab account.
SGOViShares 0-3 Month Treasury Bond ETF3.64%current yield| Compared | SGOV | SNSXX |
|---|---|---|
| YieldSGOV: current yield; SNSXX: 7-day yield | 3.64% | 3.68% |
| Expense ratio | 0.09% | In the yield |
| 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 | iShares | Schwab |
| Assets | $116.8B | $44.7B |
| Started | 2020 | — |
| Type | Treasury ETF | Treasury money market |
Higher yield
SNSXX
3.68%
Lighter state tax
SGOV
exempt from state income tax
$10,000 earns
$368
a year in SNSXX
Key facts: SGOV vs SNSXX
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SGOV yields 3.64% (current yield) and SNSXX yields 3.68% (7-day yield).
- SGOV's income is generally exempt from state income tax, while SNSXX's is mostly exempt from state income tax.
- SGOV trades like a stock at any broker; SNSXX is Schwab's money market fund, usually held in a Schwab account.
Cite this page
SmarterDividends, "SGOV vs SNSXX: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/sgov-vs-snsxx
What each holds and how it's taxed
- SGOV · Treasury ETF
- Holds U.S. Treasury securities, so its income is generally exempt from state and local income tax (federal tax still applies).
- SNSXX · Treasury money market
- A Treasury money market fund: Treasury bills and, for some, repurchase agreements backed by Treasuries. Most of its income is usually exempt from state income tax; the fund publishes the exact share each year.
General information, not tax advice. Every cash fund by yield →
SGOV vs SNSXX: questions
Is SGOV or SNSXX better?
It depends on the job. SNSXX pays more today (3.68% vs 3.64%). 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, SGOV or SNSXX?
SNSXX, at 3.68% against 3.64% for SGOV as of Nov 5, 2026. On $10,000 that's about $368 vs $364 a year at today's rates.
How are SGOV and SNSXX taxed?
SGOV: Holds U.S. Treasury securities, so its income is generally exempt from state and local income tax (federal tax still applies). SNSXX: A Treasury money market fund: Treasury bills and, for some, repurchase agreements backed by Treasuries. Most of its income is usually exempt from state income tax; the fund publishes the exact share each year. 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. SNSXX leads on 1 of 1 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.