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

In the year to Oct 28, 2026, with distributions reinvested, QUAL returned +13.1% and SGOV +3.7%.

Which is cheaper, QUAL or SGOV?

SGOV 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.

Data as of Oct 28, 2026.

Across categories

QUAL vs SGOV: Differences, Returns & Fees

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Over the year to Oct 28, 2026, QUAL returned +13.1% to SGOV's +3.7%; 0% of their weight is in the same names.

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Net assets: $48.2bn on Oct 28, 2026 for iShares MSCI USA Quality Factor ETF, and $117.0bn on Oct 27, 2026 for iShares 0-3 Month Treasury Bond ETF.

QUAL on its own →SGOV on its own →

At a glance

+13.1%

QUAL total return, 1 year

+3.7%

SGOV total return, 1 year

0.15%

QUAL expense ratio

0.09%

SGOV expense ratio

Pair scorecard

SGOV costs 0.06 points a year less; their one-year returns differ by 9.4 points; SGOV is 2.4 times larger.

QUAL vs SGOV: Differences, Returns & Fees
Measure	QUAL	SGOV
Return
Measure	QUAL	SGOV
Total return, 1 year	+13.1%	+3.7%
Benchmark
Measure	QUAL	SGOV
What it tracks	MSCI USA Sector Neutral Quality Index	ICE 0-3 Month US Treasury Securities Index
Cost and size
Measure	QUAL	SGOV
Expense ratio	0.15%	0.09%
Net assets, as of Oct 26, 2026	$48.3bn	$116.9bn
Holdings
Measure	QUAL	SGOV
Holdings in common	0%
In the S&P 500, by weight	97%
Top ten holdings, share of the fund	44.5%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, QUAL and SGOV hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first QUAL SGOV

Only in one fund ↓

Only in QUAL

MICROSOFT 8.09%

APPLE 7.38%

NVIDIA 6.28%

META PLATFORMS CLASS A 4.06%

ELI LILLY 4.04%

TJX 3.50%

VISA CLASS A 3.44%

LAM RESEARCH 2.84%

Only in SGOV

TREASURY BILL 8.53%

TREASURY BILL 8.19%

TREASURY BILL 7.63%

TREASURY BILL 6.87%

TREASURY BILL 6.80%

TREASURY BILL 6.00%

TREASURY BILL 5.22%

Check overlap with more funds →

Side by side

QUAL iShares MSCI USA Quality Factor ETF SGOV iShares 0-3 Month Treasury Bond ETF

Where it sits Stock ETF Bond ETF

Issuer iShares iShares

What it is Tracks the MSCI USA Quality Factor Tracks an index of 0-3 month T-bills

Total return, 1 year +13.1% +3.7%

Its benchmark over the same days +13.6% (MLRG) not measured

Gap to its benchmark −0.5 pts vs MLRG not measured

Expense ratio 0.15% 0.09%

Holdings 119 22

Net assets, QUAL as of Oct 28, 2026 and SGOV as of Oct 27, 2026 $48.2bn $117.0bn

QUAL and SGOV on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

QUAL

QUAL tracks the MSCI USA Quality Factor. Over the year to Oct 28, 2026 it returned +13.1% with distributions reinvested, against +13.6% for its benchmark, the MSCI USA Index. The prospectus expense ratio is 0.15% a year. By its holdings published by its issuer for Oct 27, 2026, 97% of the fund by weight is stocks the S&P 500 also holds, across 119 positions, with the top ten at 44.5%.

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, QUAL or SGOV?: In the year to Oct 28, 2026, with distributions reinvested, QUAL returned +13.1% and SGOV +3.7%.
Which is cheaper, QUAL or SGOV?: SGOV 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.

Other comparisons

BIL vs QUAL QUAL vs VUSB QUAL vs SHV QUAL vs USFR CGGR vs SGOV RDVY vs SGOV SGOV vs VIG SGOV vs SPYM

Where to next

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

Sources and dates

QUAL and SGOV filings on SEC EDGAR ↗

QUAL prospectus with the expense ratio (SEC) ↗

iShares page for QUAL ↗

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.

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ETFIQ, QUAL against SGOV, data as of Oct 28, 2026. https://etfiq.com/compare/any/qual-vs-sgov

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