Which returned more over the last year, HYSA or SGOV?

In the year to Nov 12, 2026, with distributions reinvested, HYSA returned +0.9% and SGOV +3.7%.

Which is cheaper, HYSA or SGOV?

SGOV is cheaper, by 0.46 percentage points a year. That is about $46 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Nov 12, 2026.

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Overlap

<iframe src="https://etfiq.com/embed/overlap/hysa-vs-sgov/" title="ETFIQ HYSA vs SGOV comparison" width="100%" height="300" loading="lazy" style="border:0;max-width:600px"></iframe>
<p>Data: <a href="https://etfiq.com/compare/any/hysa-vs-sgov">ETFIQ HYSA vs SGOV comparison</a></p>

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HYSA vs SGOV: Differences, Returns & Fees

Return, fees and overlap, side by side.

Return gap

+2.8 pts

1 year to Nov 12, 2026: SGOV ahead, total return

Fee gap

0.46 pts

A year: HYSA 0.55%, SGOV 0.09%, per filings dated Feb 27, 2026 and Jun 18, 2026

Overlap

Share of the two books held in common, holdings dated Jul 31, 2026 and Aug 31, 2026

Net flow

–

Needs daily flows for both funds

Risk and return

Sep 29, 2023 to Nov 6, 2026 · 162 weekly returns

HYSA SGOV

Return

Total return edge HYSA +24.4% +14.7%

Annualized edge HYSA +7.3% +4.5%

Price return edge HYSA 0.0% −0.2%

Risk

Volatility edge SGOV 5.2% 0.1%

Max drawdown edge SGOV −3.4% 0.0%

Risk-adjusted

Sharpe 0.51 Not measured

Sortino 0.83 Not measured

Reading

From Sep 2023 to Nov 2026, HYSA returned more: +24.4% to +14.7%. SGOV swung less: 0.1% to 5.2%. SGOV fell less at its worst: 0.0% to −3.4%.

Full scorecard

8 measures Open ↓

Risk and return: HYSA vs SGOV: Differences, Returns & Fees
Measure	HYSA	SGOV	Edge	How it is measured
Return
Total return	+24.4%	+14.7%	HYSA	Price change plus distributions, reinvested.
Annualized	+7.3%	+4.5%	HYSA	Total return as a yearly rate.
Price return	0.0%	−0.2%	HYSA	Price change alone, distributions left out.
Risk
Volatility	5.2%	0.1%	SGOV	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	3.2%	0.1%	SGOV	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−3.4%	0.0%	SGOV	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.51	Not measured		Return above Treasury bills per unit of volatility.
Sortino	0.83	Not measured		Return above Treasury bills per unit of downside deviation.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 162 weekly returns. Cash rate: the 13-week Treasury bill.

Pair scorecard

SGOV costs 0.46 points a year less; their one-year returns differ by 2.8 points.

HYSA vs SGOV: Differences, Returns & Fees
Measure	HYSA	SGOV
Return
Measure	HYSA	SGOV
Total return, 1 year	+0.9%	+3.7%
Benchmark
Measure	HYSA	SGOV
What it tracks	No index, actively managed	ICE 0-3 Month US Treasury Securities Index
Cost and size
Measure	HYSA	SGOV
Expense ratio	0.55%	0.09%
Net assets, HYSA as of Jul 31, 2026 and SGOV as of Nov 12, 2026	$65m	$117.1bn
Holdings
Measure	HYSA	SGOV
Holdings in common	0%

Method

Key numbers

+0.9%

HYSA total return, 1 year

+3.7%

SGOV total return, 1 year

0.55%

HYSA expense ratio

0.09%

SGOV expense ratio

What they share

By the books each fund has filed, HYSA and SGOV hold 0% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Aug 31, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first HYSA SGOV

Only in one fund ↓

Only in HYSA

BONDBLOXX BB-RATED USD HIGH YIELD CORPORATE BOND ETF CL USD INC 0.00000000 49.43%

BONDBLOXX B-RATED USD HIGH YIELD CORPORATE BOND ETF CL USD INC 0.00000000 40.13%

BONDBLOXX CCC-RATED USD HIGH YIELD CORPORATE BOND ETF CL USD INC 0.00000000 10.42%

Only in SGOV

U.S. Treasury Bills, due Oct 20, 2026 10.18%

U.S. Treasury Bills, due Sep 22, 2026 8.59%

U.S. Treasury Bills, due Oct 13, 2026 8.51%

U.S. Treasury Bills, due Sep 29, 2026 6.82%

U.S. Treasury Bills, due Oct 27, 2026 6.76%

U.S. Treasury Bills, due Sep 1, 2026 6.63%

U.S. Treasury Bills, due Sep 15, 2026 6.04%

U.S. Treasury Bills, due Oct 29, 2026 5.18%

Check overlap with more funds →

Side by side

HYSA BondBloxx USD High Yield Bond Sector Rotation ETF SGOV iShares 0-3 Month Treasury Bond ETF

Where it sits Bond ETF Bond ETF

Issuer BondBloxx iShares

What it is Actively managed Tracks an index of 0-3 month T-bills

Total return, 1 year +0.9% +3.7%

Expense ratio 0.55% 0.09%

Holdings 3 22

Net assets, HYSA as of Jul 31, 2026 and SGOV as of Nov 12, 2026 $65m $117.1bn

HYSA and SGOV on the fields both publish, as of Nov 12, 2026. Source: ETFIQ.

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Alert

About each fund

HYSA

HYSA is actively managed and tracks no index. Over the year to Nov 12, 2026 it returned +0.9% with distributions reinvested. The prospectus expense ratio is 0.55% a year.

SGOV

SGOV tracks an index of 0-3 month T-bills. Over the year to Nov 12, 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, HYSA or SGOV?: In the year to Nov 12, 2026, with distributions reinvested, HYSA returned +0.9% and SGOV +3.7%.
Which is cheaper, HYSA or SGOV?: SGOV is cheaper, by 0.46 percentage points a year. That is about $46 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

HYSA vs SCHD JNK vs SGOV SGOV vs USHY HYG vs SGOV SGOV vs VCLT SGOV vs SPSB PFF vs SGOV SGOV vs VGLT

Where to next

HYSA on its own →SGOV on its own →Hold both: look the portfolio through →Rankings →HYSA dividend history →HYSA holdings →SGOV dividend history →SGOV holdings →Standards and sources →

Sources and dates

HYSA filings on SEC EDGAR ↗

HYSA prospectus with the expense ratio (SEC) ↗

BondBloxx website ↗

SGOV filings on SEC EDGAR ↗

SGOV prospectus with the expense ratio (SEC) ↗

iShares page for SGOV ↗

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.

Cite this pageCitation, APA and Markdown

ETFIQ, HYSA against SGOV, data as of Nov 12, 2026. https://etfiq.com/compare/any/hysa-vs-sgov

Open data →

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

Net assets: $65m on Jul 31, 2026 for BondBloxx USD High Yield Bond Sector Rotation ETF, and $117.1bn on Nov 12, 2026 for iShares 0-3 Month Treasury Bond ETF.

HYSA on its own →SGOV on its own →

Growth of 100

HYSA and SGOV

Total return, distributions reinvested, 1 year.

HYSA +0.9%SGOV +3.7%

Nov 12, 2025Nov 12, 2026

HYSA +0.9%, SGOV +3.7%: SGOV +2.8 pts ahead, 1 year, Nov 12, 2025 to Nov 12, 2026.