SGOV vs VBIL: Yield, Cost and Returns Compared
As of Nov 5, 2026, SGOV yields more: 3.64% (current yield) against 3.50% for VBIL. VBIL is cheaper to own at 0.06% a year vs 0.09%. Over the same months (Feb 2025 to Oct 2026), SGOV returned 4.0% a year with distributions reinvested, and VBIL 4.0%.
SGOViShares 0-3 Month Treasury Bond ETF3.64%current yield| Compared | SGOV | VBIL |
|---|---|---|
| YieldCurrent yield | 3.64% | 3.50% |
| Expense ratio | 0.09% | 0.06% |
| Total return, 1 yr | +3.7% | +3.8% |
| Total return, 3 yr (a year) | +4.5% | — |
| Total return, 5 yr (a year) | +3.8% | — |
| Worst drop since Feb 2025 | 0.0% | 0.0% |
| Share price since Feb 2025 | +0% | +1% |
| Pays | Monthly | Monthly |
| Issuer | iShares | Vanguard |
| Assets | $116.8B | $14.3B |
| Started | 2020 | 2025 |
| Type | Treasury ETF | Treasury ETF |
Higher yield
SGOV
3.64%
Lower cost
VBIL
0.06%
Better total return
SGOV
4.0%/yr
Smaller worst drop
SGOV
0.0%
Key facts: SGOV vs VBIL
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SGOV yields 3.64% (current yield) and VBIL yields 3.50% (current yield).
- SGOV's expense ratio is 0.09% and VBIL's is 0.06%: $9 vs $6 a year on $10,000.
- From Feb 2025 to Oct 2026, $10,000 in SGOV grew to $10,670 (4.0% a year) and $10,000 in VBIL to $10,668 (4.0% a year), distributions reinvested.
- Their worst month-end drops over that time: 0.0% for SGOV and 0.0% for VBIL.
Cite this page
SmarterDividends, "SGOV vs VBIL: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/sgov-vs-vbil
$10,000 in each, Feb 2025 to Oct 2026
Distributions reinvested, month-end values.
SGOV became
$10,670
4.0% a year
VBIL became
$10,668
4.0% a year
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).
- VBIL · 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 →
SGOV vs VBIL: questions
Is SGOV or VBIL better?
It depends on the job. SGOV pays more today (3.64% vs 3.50%), VBIL costs less, and SGOV has the better total return over Feb 2025 to Oct 2026, with SGOV holding up better in its worst stretch. 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 VBIL?
SGOV, at 3.64% against 3.50% for VBIL as of Nov 5, 2026. On $10,000 that's about $364 vs $350 a year at today's rates.
Which has the better total return?
SGOV. From Feb 2025 to Oct 2026, it returned 4.0% a year with distributions reinvested, against 4.0% for VBIL. $10,000 became $10,670 vs $10,668.
Which is cheaper, SGOV or VBIL?
VBIL, with a 0.06% expense ratio against 0.09%.
How are SGOV and VBIL taxed?
SGOV: Holds U.S. Treasury securities, so its income is generally exempt from state and local income tax (federal tax still applies). VBIL: 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. VBIL leads on 2 of 3 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.