SGOV vs BIL: which was the better investment?
iShares 0-3 Month Treasury Bond ETF against SPDR Bloomberg 1-3 Month T-Bill ETF on real daily total-return data — every dividend reinvested, from Jun 1, 2020 to Jul 13, 2026.
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Frequently asked questions
Did SGOV beat BIL?
It was effectively a tie over the full overlap period (Jun 1, 2020 to Jul 13, 2026): $10,000 grew to $11,954 in SGOV and $11,865 in BIL, a difference of under 2%.
What would $10,000 in SGOV be worth today?
$10,000 invested in iShares 0-3 Month Treasury Bond ETF (SGOV) on Jun 1, 2020 would be worth about $11,954 as of Jul 13, 2026, a total return of 19.5% (3.0% per year). The same $10,000 in BIL would be worth $11,865.
Which was riskier — SGOV or BIL?
SGOV swung with an annualized volatility of 0.2% and a worst peak-to-trough drop of -0.0%; BIL ran at 0.3% volatility with a -0.1% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 4.09 for SGOV vs 3.26 for BIL.
What data is this comparison based on?
Daily adjusted closing prices covering Jun 1, 2020 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with SGOV vs BIL. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.