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GBIL vs SGOV: Differences, Returns & Fees

On May 31, 2026 GBIL's duration was 0.4 years and SGOV's 0.1; SGOV charges 0.09% to GBIL's 0.12%. Net assets: $7.9bn on Oct 19, 2026 for Goldman Sachs Access Treasury 0-1 Year ETF, and $116.5bn on Oct 20, 2026 for iShares 0-3 Month Treasury Bond ETF.

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Answers cite the figures on this page.

SGOV costs 0.03 points a year less; their one-year returns differ by 0.1 points; SGOV is 14.7 times larger.

GBIL vs SGOV: Differences, Returns & Fees
GBILSGOV
Expense ratio0.12%0.09%
Net assets, as of Oct 19, 2026$7.9bn$116.3bn
Total return, 1 year+3.6%+3.7%
What it tracksnot read by ETFIQICE 0-3 Month US Treasury Securities Index
Holdings in common24%

Holdings in common uses holdings dated May 31, 2026.

+3.6%
GBIL total return, 1 year
+3.7%
SGOV total return, 1 year
0.12%
GBIL expense ratio
0.09%
SGOV expense ratio

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Client brief · page 1 of 2Report BR-89098C397D

GBIL and SGOV are built for the same job. How do they differ in cost, holdings and results?

  1. What each follows. GBIL follows not read by ETFIQ and SGOV follows ICE 0-3 Month US Treasury Securities Index.
  2. Holdings in common. 24% of the weight is in the same securities (holdings dated May 31, 2026).
  3. Size. GBIL has $7.9bn in net assets and SGOV $116.3bn (net assets, as of Oct 19, 2026); SGOV is 14.7 times larger.

Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.

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What they hold in common

By the books each fund has filed, GBIL and SGOV hold 24% of their money in the same securities at the same weight. Holdings dated May 31, 2026.

half

24% in common

Positions both hold, largest shared weight first
Holding GBIL SGOV
B 0 07/21/26, due Jul 21, 2026 6.33% 5.99%
WIB 0 07/16/26, due Jul 16, 2026 6.33% 4.10%
B 0 08/27/26, due Aug 27, 2026 9.32% 3.67%
B 0 07/28/26, due Jul 28, 2026 3.50% 8.33%
B 0 07/30/26, due Jul 30, 2026 1.33% 5.08%
B 0 07/07/26, due Jul 7, 2026 1.33% 7.09%
B 0 07/14/26, due Jul 14, 2026 1.33% 1.17%
B 0 07/02/26, due Jul 2, 2026 1.03% 4.91%
B 0 07/09/26, due Jul 9, 2026 1.11% 0.81%
B 0 08/20/26, due Aug 20, 2026 0.44% 4.37%
B 0 07/23/26, due Jul 23, 2026 0.38% 6.76%
B 0 08/13/26, due Aug 13, 2026 0.17% 2.24%
Only in GBIL
B 0 09/22/26, due Sep 22, 2026 7.64%
T 4.125 01/31/27, due Jan 31, 2027 4.67%
T 3.5 09/30/26, due Sep 30, 2026 3.84%
T 3.875 03/31/27, due Mar 31, 2027 3.67%
T 3.75 04/30/27, due Apr 30, 2027 3.67%
B 0 08/25/26, due Aug 25, 2026 3.40%
T 4.125 02/28/27, due Feb 28, 2027 3.33%
B 0 10/29/26, due Oct 29, 2026 2.82%
Only in SGOV
U.S. Treasury Bills, due Jun 30, 2026 10.14%
U.S. Treasury Bills, due Jun 2, 2026 8.64%
U.S. Treasury Bills, due Jun 23, 2026 8.54%
U.S. Treasury Bills, due Jun 9, 2026 6.87%
U.S. Treasury Bills, due Aug 6, 2026 4.58%
U.S. Treasury Bills, due Jun 16, 2026 4.57%
U.S. Treasury Bills, due Jun 11, 2026 4.46%
U.S. Treasury Bills, due Jun 18, 2026 3.73%

Check overlap with more funds →

On the same fields

GBIL
Goldman Sachs Access Treasury 0-1 Year ETF
SGOV
iShares 0-3 Month Treasury Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Goldman Sachs iShares
What it is Tracks an index Tracks an index of 0-3 month T-bills
Total return, 1 year +3.6% +3.7%
Expense ratio 0.12% 0.09%
Holdings 43 23
Net assets, GBIL as of Oct 19, 2026 and SGOV as of Oct 20, 2026 $7.9bn $116.5bn

GBIL and SGOV on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.

About GBIL

GBIL tracks an index. Over the year to Oct 20, 2026 it returned +3.6% with distributions reinvested. The prospectus expense ratio is 0.12% a year.

About SGOV

SGOV tracks an index of 0-3 month T-bills. Over the year to Oct 20, 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, GBIL or SGOV?
In the year to Oct 20, 2026, with distributions reinvested, GBIL returned +3.6% and SGOV +3.7%.
Which is cheaper, GBIL or SGOV?
SGOV is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIL vs GBILGBIL vs JPSTGBIL vs PULSGBIL vs VBILSGOV vs WEEKSGOV vs TBILSGOV vs TFLOICSH vs SGOV
GBIL on its own →SGOV on its own →Hold both: look the portfolio through →Rankings →GBIL dividend history →GBIL holdings →SGOV dividend history →SGOV holdings →Standards and sources →
Where these figures came from
GBIL filings on SEC EDGAR ↗GBIL prospectus with the expense ratio (SEC) ↗Goldman Sachs website ↗SGOV filings on SEC EDGAR ↗SGOV prospectus with the expense ratio (SEC) ↗iShares page for SGOV ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. 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.

Cite this pageCitation, APA and Markdown

ETFIQ, GBIL against SGOV, data as of Oct 20, 2026. https://etfiq.com/compare/any/gbil-vs-sgov

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.