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SGOV vs TFLO: Differences, Returns & Fees

SGOV's duration was 0.1 years on May 31, 2026 and TFLO's 0.0 on Jul 31, 2026; SGOV charges 0.09% to TFLO's 0.15%. Net assets on Oct 20, 2026: $116.5bn for iShares 0-3 Month Treasury Bond ETF and $7.2bn for iShares Treasury Floating Rate Bond ETF.

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Answers cite the figures on this page.

SGOV costs 0.06 points a year less; their one-year returns differ by 0.3 points; SGOV is 16.2 times larger.

SGOV vs TFLO: Differences, Returns & Fees
SGOVTFLO
Expense ratio0.09%0.15%
Net assets$116.5bn$7.2bn
Total return, 1 year+3.7%+4.0%
What it tracksICE 0-3 Month US Treasury Securities IndexBloomberg U.S. Treasury Floating Rate Index
Holdings in commonreport dates differ

Holdings in common uses holdings dated May 31, 2026 and Jul 31, 2026.

+3.7%
SGOV total return, 1 year
+4.0%
TFLO total return, 1 year
0.09%
SGOV expense ratio
0.15%
TFLO expense ratio

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Client brief · page 1 of 2Report BR-DE4BA5C47D

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

  1. What each follows. SGOV follows ICE 0-3 Month US Treasury Securities Index and TFLO follows Bloomberg U.S. Treasury Floating Rate Index.
  2. Size. SGOV has $116.5bn in net assets and TFLO $7.2bn (Net assets); SGOV is 16.2 times larger.
  3. One-year total return (similar). Over 1 year to Oct 20, 2026 SGOV returned +3.7% and TFLO +4.0% with distributions reinvested, a gap of 0.3 points.

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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On the same fields

SGOV
iShares 0-3 Month Treasury Bond ETF
TFLO
iShares Treasury Floating Rate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer iShares iShares
What it is Tracks an index of 0-3 month T-bills Tracks an index
Total return, 1 year +3.7% +4.0%
Its benchmark over the same days not measured +4.0% (USFR)
Gap to its benchmark not measured −0.1 pts vs USFR
Expense ratio 0.09% 0.15%
Holdings 23 8
Net assets $116.5bn $7.2bn

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

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.

About TFLO

TFLO tracks an index. Over the year to Oct 20, 2026 it returned +4.0% with distributions reinvested, against +4.0% for its benchmark, the Bloomberg U.S. Treasury Floating Rate Index. The prospectus expense ratio is 0.15% a year.

Questions people ask

Which returned more over the last year, SGOV or TFLO?
In the year to Oct 20, 2026, with distributions reinvested, SGOV returned +3.7% and TFLO +4.0%.
Which is cheaper, SGOV or TFLO?
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
SGOV vs TBILGSY vs SGOVBILS vs SGOVFLTR vs SGOVBIL vs TFLOFTSM vs TFLOBSCR vs TFLOBILS vs TFLO
SGOV on its own →TFLO on its own →Hold both: look the portfolio through →Rankings →SGOV dividend history →SGOV holdings →TFLO dividend history →TFLO holdings →Standards and sources →
Where these figures came from
SGOV and TFLO filings on SEC EDGAR ↗SGOV prospectus with the expense ratio (SEC) ↗iShares page for SGOV ↗TFLO prospectus with the expense ratio (SEC) ↗iShares page for TFLO ↗

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

Cite this pageCitation, APA and Markdown

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

Open data

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