Compare/Updated Oct 26, 2026, refreshed every trading day
SGOV vs BIL
iShares 0-3 Month Treasury Bond ETF against State Street SPDR Bloomberg 1-3 Month T-Bill ETF: 4 years of returns, risk and today’s technical read, from Kavout’s own data.
BIL did marginally better over the period, turning $1,000 into $1,192 versus $1,193 for SGOV—although SGOV’s stated cumulative gain was 19.3% versus BIL’s 19.2%, so the supplied figures differ slightly. BIL also led over the 1-, 3-, and 6-month, YTD, 1-year, and 3-year periods, while SGOV beat BIL in 34 of the last 48 months. The performance differences were very small, with a typical monthly gap of 0.01 points. BIL had lower recent volatility at 0.2% versus SGOV’s 0.3% and an approximately zero worst drawdown versus SGOV’s -0.3%. However, SGOV had the lower expense ratio, 0.09% versus 0.14%, and larger assets of $96B versus $51B. Overall, BIL offered slightly better recent returns and risk statistics; SGOV offered lower cost and greater scale.
- Price is above its 200-day average ($99); 50-day at $100.
- RSI 72, overbought. Supertrend says buy. ADX 44, so the trend is strong.
- Price is above its 200-day average ($90); 50-day at $91.
- RSI 95, overbought. Supertrend says buy. ADX 100, so the trend is strong.
Head to head
Which has returned more, SGOV or BIL?
SGOV beat BIL in 34 of the last 48 months; BIL won the other 14. The typical monthly gap was 0.01 points.
Total return by period
Which is riskier?
SGOV: Sep 29, 2026 to Oct 1, 2026; BIL: Mar 30, 2023 to Mar 31, 2023
- 0.517
- correlation of daily moves, 4 years
- 0.57
- SGOV move per 1% in BIL
- 0.238
- correlation, last 12 months
Month by month
Of the last 48 months. The typical gap was 0.01 points.
When did they diverge?
| Month | SGOV | BIL | Gap |
|---|---|---|---|
| October 2026 | -0.0% | +0.3% | -0.29 pts |
| June 2026 | +0.3% | +0.3% | +0.04 pts |
| May 2023 | +0.4% | +0.4% | +0.04 pts |
| March 2023 | +0.4% | +0.4% | +0.03 pts |
Where the numbers come from. 1000 daily adjusted closes per fund from the Kavout market-data API, dividends included. Signals and indicators are Kavout’s own, refreshed nightly. Every figure is calculated from those adjusted closes.
Holdings and fees
What do you actually own with SGOV and BIL?
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