Data as of Oct 28, 2026.
BND vs SGOV: Differences, Returns & Fees
BND's duration was 5.7 years on Jun 30, 2026 and SGOV's 0.1 on Aug 31, 2026; BND charges 0.03% to SGOV's 0.09%.
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Net assets: $161.4bn on Sep 30, 2026 for Vanguard Total Bond Market ETF, and $117.0bn on Oct 27, 2026 for iShares 0-3 Month Treasury Bond ETF.
Pair scorecard
BND costs 0.06 points a year less; their one-year returns differ by 5.0 points; BND is 1.4 times larger.
| Measure | BND | SGOV |
|---|---|---|
| Return | ||
| Total return, 1 year | −1.3% | +3.7% |
| Drawdown | ||
| Below its high | 3.5%, high on Aug 6, 2020 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Aggregate Float Adjusted Index | ICE 0-3 Month US Treasury Securities Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.09% |
| Net assets, as of Sep 30, 2026 | $161.4bn | $112.3bn |
| Holdings | ||
| Holdings in common | 0% | |
Holdings in common uses holdings dated Jun 30, 2026 and Aug 31, 2026. Method
Risk and return
Jun 5, 2020 to Oct 23, 2026 · 333 weekly returnsSGOV returned more: +20.8% to −0.8%. SGOV swung less: 0.3% to 5.3%. SGOV fell less at its worst: 0.0% to −18.4%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | BND | SGOV | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | −0.8% | +20.8% | SGOV | Price change plus distributions, reinvested. |
| Annualized | −0.1% | +3.0% | SGOV | Total return as a yearly rate. |
| Price return | −18.5% | +0.6% | SGOV | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 5.3% | 0.3% | SGOV | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 3.9% | 0.2% | SGOV | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −18.4% | 0.0% | SGOV | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | −0.58 | −0.46 | SGOV | Return above Treasury bills per unit of volatility. |
| Sortino | −0.78 | −0.57 | SGOV | Return above Treasury bills per unit of downside deviation. |
| Calmar | −0.01 | Not measured | Annualized return divided by the max drawdown. | |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 333 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, BND and SGOV hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Aug 31, 2026.
half
0% in common
Only in one fund ↓
Side by side
BND and SGOV on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
BND and SGOV do different jobs. What does each one do in a portfolio?
- What each follows. BND follows Bloomberg U.S. Aggregate Float Adjusted Index and SGOV follows ICE 0-3 Month US Treasury Securities Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Jun 30, 2026 and Aug 31, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 BND returned −1.3% and SGOV +3.7% with distributions reinvested, a gap of 5.0 points.
Data as of Oct 28, 2026.
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BND
BND tracks an index of US aggregate bonds. Over the year to Oct 28, 2026 it returned −1.3% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg U.S. Aggregate Float Adjusted Index, measured by the closely related Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.5% below its high of Aug 6, 2020 on Oct 28, 2026.
SGOV
SGOV tracks an index of 0-3 month T-bills. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.09% a year.
Questions people ask
- Which returned more over the last year, BND or SGOV?
- In the year to Oct 28, 2026, with distributions reinvested, BND returned −1.3% and SGOV +3.7%.
- Which is cheaper, BND or SGOV?
- BND is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, BND against SGOV, data as of Oct 28, 2026. https://etfiq.com/compare/any/bnd-vs-sgov
ETFIQ. (Oct 28, 2026). BND against SGOV. Retrieved from https://etfiq.com/compare/any/bnd-vs-sgov
[BND against SGOV (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bnd-vs-sgov)
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