Compare/Updated Oct 26, 2026, refreshed every trading day
SGOV vs SCHD
iShares 0-3 Month Treasury Bond ETF against Schwab U.S. Dividend Equity ETF: 4 years of returns, risk and today’s technical read, from Kavout’s own data.
SCHD did better over the period: $1,000 invested on Oct 28, 2022 grew to $1,649, versus $1,193 for SGOV. Its 64.9% total gain was driven by substantially stronger recent performance, including 35.2% over one year and 31.8% year to date, compared with SGOV’s 3.5% and 2.7%. The trade-off was much higher risk: SCHD’s 12-month volatility was 11.3% and its worst drawdown was -16.1%, while SGOV’s volatility was 0.3% and worst drawdown was only -0.3%. SGOV therefore offered stability and capital preservation, whereas SCHD delivered superior growth but with materially greater fluctuations and loss potential. Their near-zero correlation (-0.001) indicates they behaved largely independently, making the choice primarily a trade-off between return potential and risk control.
- 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 ($32); 50-day at $34.
- RSI 73, overbought. Supertrend says buy. ADX 33, so the trend is strong.
Head to head
Which has returned more, SGOV or SCHD?
SGOV beat SCHD in 21 of the last 48 months; SCHD won the other 27. The typical monthly gap was 3.28 points.
Total return by period
Which is riskier?
SGOV: Sep 29, 2026 to Oct 1, 2026; SCHD: Nov 29, 2024 to Apr 8, 2025
- -0.001
- correlation of daily moves, 4 years
- 0.00
- SGOV move per 1% in SCHD
- -0.024
- correlation, last 12 months
Month by month
Of the last 48 months. The typical gap was 3.28 points.
When did they diverge?
| Month | SGOV | SCHD | Gap |
|---|---|---|---|
| October 2026 | -0.0% | +8.4% | -8.44 pts |
| January 2026 | +0.3% | +8.7% | -8.42 pts |
| April 2025 | +0.4% | -7.7% | +8.03 pts |
| December 2024 | +0.4% | -6.6% | +7.01 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 SCHD?
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