SGOV vs XHLF: Differences, Returns & Fees
SGOV's duration was 0.1 years on May 31, 2026 and XHLF's 0.5 on Jul 31, 2026; XHLF charges 0.03% to SGOV's 0.09%. Net assets: $116.5bn on Oct 20, 2026 for iShares 0-3 Month Treasury Bond ETF, and $1.9bn on Jul 31, 2026 for BondBloxx Bloomberg Six Month Target Duration US Treasury ETF.
XHLF costs 0.06 points a year less; their one-year returns differ by 0.2 points; SGOV is far larger, $99.9bn against $1.9bn.
| SGOV | XHLF | |
|---|---|---|
| Expense ratio | 0.09% | 0.03% |
| Net assets, as of Jul 31, 2026 | $99.9bn | $1.9bn |
| Total return, 1 year | +3.7% | +3.5% |
| What it tracks | ICE 0-3 Month US Treasury Securities Index | Bloomberg US Treasury Six Month Target Duration Index |
| Holdings in common | report dates differ | |
Holdings in common uses holdings dated May 31, 2026 and Jul 31, 2026.
SGOV and XHLF are built for the same job. How do they differ in cost, holdings and results?
- What each follows. SGOV follows ICE 0-3 Month US Treasury Securities Index and XHLF follows Bloomberg US Treasury Six Month Target Duration Index.
- Size. SGOV has $99.9bn in net assets and XHLF $1.9bn (net assets, as of Jul 31, 2026); SGOV is 52.6 times larger.
- One-year total return (similar). Over 1 year to Oct 20, 2026 SGOV returned +3.7% and XHLF +3.5% with distributions reinvested, a gap of 0.2 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 and XHLF 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 XHLF
XHLF tracks an index. Over the year to Oct 20, 2026 it returned +3.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year.
Questions people ask
- Which returned more over the last year, SGOV or XHLF?
- In the year to Oct 20, 2026, with distributions reinvested, SGOV returned +3.7% and XHLF +3.5%.
- Which is cheaper, SGOV or XHLF?
- XHLF 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.
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ETFIQ, SGOV against XHLF, data as of Oct 20, 2026. https://etfiq.com/compare/any/sgov-vs-xhlf
ETFIQ. (Oct 20, 2026). SGOV against XHLF. Retrieved from https://etfiq.com/compare/any/sgov-vs-xhlf
[SGOV against XHLF (ETFIQ, Oct 20, 2026)](https://etfiq.com/compare/any/sgov-vs-xhlf)
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