SGOV
iShares® 0-3 Month Treasury Bond ETF
Mentions (24Hr)
450.00% Today
Reddit Posts
SGOV and TBIL, are there safe to invest as an alternative to Savings Accounts to preserve cash value and earn interest?
Offsetting Previous Losses While Continuing to Invest for the Future
Should I invest in treasury funds if no state income tax?
If I'm bullish on the future what's the point in holding VOO? Shouldn't I just get TQQQ and hold long term?
SGOV a good place to hold cash for liquidity?
Are SGOV or USFR still viable short term investing options for growing down payment?
Why do SGOV charts look like this and could the pattern be exploited?
Why does the graph of some bonds look like a sawtooth wave while others don't?
Treasury bills Vs. Money market Vs. CD’s Vs. SGOV Vs. HYSA Vs. Other alternatives. What’s the best way to park my short term cash?
Is it wise to use SGOV almost like a savings account?
SPX Gain. $SGOV & Rest time. Not trying to get caught in a technical bounce.
How to use T Bill ETFs as cash alternative inflation hedges? (SGOV, TFLO, USFR, etc.)
Taking a break from degening. Small PP gain. Hiding in $SGOV for the next 6 months until I can get my head back in the game
Why are the yields of NY muni money market funds so volatile?
What prevents dividend arbitrage with MFs like VMFXX?
Am I losing money to taxes in HYSA instead of treasury ETF/fund?
Beating directly holding S&P 500 by selling deep ITM puts?
Help me find a high yield ETF that I can sell/buy quickly
Parking Cash (Money Markets, Treasury Bills, Bond Funds, ETFs, etc.)
I'm going to break even soon, should i sell part of VTI and put it into SGOV?
Can someone explain the price move of short-term bond ETFs?
I am new to recurring investments. If I want to buy SGOV, does it matter what date I do it on?
Can buying/selling SGOV and USFR trigger a wash sale?
How do I find out the yield on $SGOV?
Options + Bonds ; brilliant original idea, or... boondoggle from hell?
Best Investment Without Actually Buying Treasuries? Am I wrong?
Are there any downsides to my plan to try to turn SGOV dividends into capital gains?
How will floating-rate treasury funds (USFR, TFLO) fare when interest rates start to fall?
Is there a way to make 4-5% with minimal risk without receiving dividends/interest? "Accumulating" SGOV?
If someone wants no regular pay outs but wants to avoid getting screwed by inflation with minimal risk, what do they do?
What is safer now for cash? Keep in Bank account (less than $250K) or T-Bills / SGOV / BIL?
How do fixed income instruments behave in case of a government shutdown?
Can someone help me understand the pros/cons of a bond ETF like SGOV in comparison to buying a treasury directly?
SGOV not reinvesting interest at a good price... Am I missing out on returns?
Are returns from treasury ETFs like SGOV and USFR state tax exempt just like regular treasuries ?
Let's talk about short-term debt securities...
What are some safe overnight bonds / ETFs that I can exit any day easily?
What are the different options for taking advantage of high interest rates?
I want a T-Bill. Are $VUSSX and $SGOV better options?
Table of Money Market Funds/ETF's or Ultra Short Term Funds/ETF's available on Merrill Edge
State Tax Exemptions on US Government Interest for Tax Return
Government Bond ETF - Taxes on Distributions?
T-bills: 3.29% apr for 3 month & is going up with rate hikes
Better Option than SGOV for collecting yield on leftover brokerage funds with near 0 rate risk?
Mentions
Rediculous question, because investing in maybe 3 would be far better. * 5 years SGOV * 10 years VOO * 20 years SPMO
you really cant win keeping your money anywhere when they do this gold down oil down stocks down crypto down cash loses to inflation should have known when i saw that 8 mil SGOV buy after hours yesterday
If you are trying to win be the first to go all $SGOV.
Been sitting on $275k of SGOV since August. Come on papi
For a tactical option I sell at a 50% gain. If it is a gamble I dump it around a 20%ish gain. Try like hell to cut losses quick. Especially in an expensive and volatile market like our current market. For shares I buy without trying to time and only sell when I need cash for a big purchase or if I go to the mattresses. FWIW, I went to the mattresses around March when I took control of my port from a buddy (who is retiring from RBC). Sold all my positions and parked in $SGOV
Gamblers I've been building the money to put in my Roth in January in SGOV mostly because I felt silly putting it in voo just to sell and buy back months later. Time to buy for a cheeky one month gain?
SLV is volatile, no? Why not SGOV?
It sounds like we're more or less on the same page? I've always kept dry powder in SGOV, but I got at least 30 more years of work/income ahead of me, so even in the event of a 20-30% market drawdown, I'll stay afloat. Sounds like you're further along in life though, so it makes sense that you're moreso thinking about preservation than exposure. Good luck out there.
On a positive note, SGOV was green again today.
I put my full port into SGOV two weeks ago. I'm feeling pretty good obviously, but I'm not sure if I want to bet on a major correction or a moderate one. VOO 575 seems like a reasonable place to start.
In case anyone was wondering I got a response from TT: "I wanted to reach out regarding some discourse that was brought to our attention regarding your SGOV margin requirements. In a standard Reg T Margin Account SGOV has a 50% initial and 25% maintenance requirement. I took a look at your account and I see the issue that you brought up. When you were holding /MES futures the requirements are swept out from the equity side and held on the futures side because even though you only have one tastytrade account funds are held separately because they essentially clear differently (APEX & StoneX). When the funds were swept out due to your futures position your margin equity dropped below $2k where you lose margin privileges. I see you closed out the futures and you essentially regained margin privileges and your SGOV is being held at a 25% maintenance requirement. I have included some screenshots showing your cap requirement on SGOV and a help center article explaining why your trading accounts are separated. Please let me know if you have any questions! " I didn't even contact them, they took it upon themselves to email me. People will hate but I maintain TT has the best customer service of any broker I've us
DCA’d my bags a little today but still 78% SGOV. The knives still look very sharp and they’re falling very quickly.
Over 40% on the year. No worries, you won't get to see that number with just SGOV.
If you're going to park a 'substantial amount of money' somewhere you should be able to look this stuff up and know what you're getting into. Else you're probably better off with SGOV or a HYSA instead of chasing a better yield. There's no such thing as risk-free, high return investments. PFRL is probably more risky than HFSI, but it's the type of risk that makes it interesting to me. The majority of their holdings are in senior secured loans from major institutional banks. My biggest concern is a 2008-style collapse and a wave of defaults. But relative to the market at large, it has not experienced wild price fluctuations. The biggest drop in price it has experienced in 3.5 years was Great American Tariff Day. While most of the market plunged, it dropped from about $50 to $46 and was back up within about 2 months. Otherwise it has been very steady - similar to funds like JAAA. The relative stability and utilization of senior-secured loans make it more attractive to me than something like PHYZX. But I am not a financial expert and you should do your own due diligence. I'm just sharing some funds to look into.
I’d been better off in investing in SGOV all year
SGOV is up .55% over the last 5 years.
SGOV pays a monthly distribution.
Sell everything and buy SGOV. Don’t say I didn’t warn you all.
Don’t say I didn’t tell you. Sell it all and buy something like SGOV. No stocks, no gold, no crypto. Just get out and watch the train wreck.
I traded thru the GFC. Well aware how it works. I have a list of longs I will buy after. Currently most of my liquid holdings are in $SGOV till that next Haynes bottom!
Excellent response. THANKS. Do you recommend anything in-between SGOV and IGBH? Perhaps yielding 5% instead of 6%, or with similar yield with less duration risk?
What's the spread between SGOV yield and your Tastytrade margin interest? Is it even positive!? I would assume that the cost of leverage is equal to or greater than ~1yr treasury yield.
> guaranteed 3-4% annual return FYI even SGOV doesn't guarantee this
Margin rates are way higher than what SGOV pays out. You'd be paying like 8-12% to borrow money just to earn 4%. That's just burning cash for no reason.
You are looking for something that does not exist. SGOV is not "guaranteed 3-4% return". It yields that much only as long as rates don't get cut (which is happening now). If you want that guaranteed return you need 10y treasuries
Why would you take on margin to invest in SGOV? There is no way that is profitable.
Be really careful here—you are confusing **Zero Duration** with **Zero Risk**. IGBH isn't a savings account substitute like SGOV; it's a specific bet on credit spreads. While it hedges out the interest rate risk (by shorting Treasuries), it leaves you completely exposed to **Credit Spread Duration**, which is still massive (around 12 years). Here is the problem with using it for "safety": In a recession or market crash, corporate spreads blow out (prices drop) while Treasuries usually rally (yields drop). Because IGBH is *short* Treasuries to hedge, you miss out on that Treasury rally protection. You take the full hit on the corporate bond price drop without the usual flight-to-safety buffer. It effectively behaves like an equity proxy, not cash. If you want a safe place for savings, stick to SGOV or TBIL. Only touch IGBH if you are specifically betting that the economy will remain strong and credit spreads will tighten.
I've been mostly cash (SGOV) since like late 2021. Have had a few big longs that gave me excellent returns though. Was big into energy late 2021 through 2022 and big into eose for 2023 to 2025
My puts that are 0.3% of my port with the other 99 being SGOV or Cash? I will be fine. Also, seige tank rushes are really a thing haha, but I love the reference :
SGOV and VBIL ETFs are short term treasury bond funds that hold their value. Very small changes due to the interest payment. Pull them up on a chart.
He sold SGOV to buy leaps. And he's down on those.
SGOV settles quickly if that matters to you (it does to me)
JAAA maybe - historically it has been pretty safe - but there are some warning signs in private credit (eg the implosion of Tricolor) that would make me hesitant to use it replace SGOV. Maybe a partial allocation? I have also thought about making a small allocation to TLT which might benefit more from deflationary pressure during a recession, but don’t feel like I understand enough about how the long bond market operates to understand wether that upside is worth the added volatility despite similar yield.
Real question is how does he losing money on SGOV
Yeah it is. SGOV for the win on this one
You can lose money on SGOV?
Yes, you need to keep at least 6 months of your spending and some emergency funds that are readily available in either HYSA or buy SGOV ETFs which will save you on state taxes. After that keep investing whatever you can in the entire US market ETFs and may be the entire foreign market ETFs (so SCHB 80% and SCHF 20%), but make sure to understand that if the market doesn't do well, then you could "lose" a lot of money if not all. Always remember, you haven't made or lost any money unless you sell your shares.
If it’s an emergency fund and relatively small amounts then I just throw it in SGOV. Very low risk, near instant liquidity and not subject to state income taxes.
$SGOV shows settled cash in account next day. And I can trade with it day of. Not sure if that is T+1 or better?
Just bought 500 shares of SPY and 1000 shares of SGOV. Embarrassing.
That’s what prime money market funds are. However, yields spreads on corporate bonds aren’t that great. They also aren’t as tax efficient as SGOV. BOXX is an option if you can hold longer than a year and the tax arbitrage is worthwhile.
SGOV and VBIL ETFs don’t lose capital.
This really depends on your time horizon for this money. SGOV has already been recommended. Know that it's super short duration (0-3 months), making very similar to a HYSA. You could go for some longer duration but still short-term ETFs: SPTS: Short-term treauries, average duration 2 years BSV: 75% treauries, 25% corporates, avg duration 3 years VTIP: short-term TIPS (inflation-linked Treauries), avg duration 2.5 years If you know both exactly how much you need in the future and when, individual bonds or a CD are fine. I strongly recommend individual investors stick to government (treasury, agency, muni) when buying individual bonds. Anything else requires extra research and the disclosed financials aren't always truthful (see: 2008).
I really don't get "cash gang" mentality. SGOV and CSHI are as safe as it gets.
I believe $SGOV settles it a day. Please tell me if I am wrong.. it's why I went into it!
Got it I guess I’ll just stick with SGOV
How long is long? If you are talking a few years then go with $SGOV. Longer and I would have to think. I can't believe you are barred from trading? Worst case you call in your orders to Schwab.
I would put it in $SGOV till the current dust up settles down
Nope, but I sold in February and the last of it in October. I’ve been buying SGOV ever since.
It doesn’t matter what NVDA says. The markets will crash. How do I know? Just look at the insanity all around us. The market is insanely overvalued, we are going to attack both Venezuela and Mexico, 90% of the country can’t buy groceries, Trumpadump is going to be thrown out of office, and AI has begun taking 70% of the jobs. And that’s just in the next few months. Get a clue. Scrounge what you can and but SGOV or some other bond etf and wait out the catastrophe.
I can’t sell put with the cash in SGOV like I can with SWVXX. Pretty much same interest rate and I’m collecting premiums on top of it. Yes I agree rates back to 7%. 😂
SGOV too. That's where I place cash when not using it. I notice it's not as great as it was months ago. I take it back, raise rates!!!
A deep recession and growing cuts in local gov spending with massive federal deficits is a given. When has been the question for two years. So the investment strategy? Use ten percent of your wealth aggressively short via options. Not an easy game for many. Have to be nimble Income producing real estate (I have 30%). If you have solid renters it is a great place to hide Ten percent gold. The rest in $SGOV Have fun trading that hedge option account (I do) and then you just wait. Since no one knows when the correction happens you can also have fun making a list of what to buy when the dust settles. Working on refining my list right now!
I had been using SGOV and BIL (just with ever one let me round out my cash). Then I shifted to using BOXX because it's less work and offered more control on how I realized gains. I've slowly been moving out of the curve with sales of BOXX and going into SHY. For the long end. I have IEF for my tax-exempt and TMF for my taxable.
Buying SGOV does give 3.9% and doesn't require paying state income tax, although as an emergency fund it may take more time to settle and use it as cash. There are corporate bonds like PAAA and JAAA which give over 5%, although it requires more risk tolerance. Ideally you might prefer having the ability to quickly use your funds in an emergency without having to worry about any possible depreciation of their value. What I can probably recommend is to look around for the highest yield savings accounts on websites like depositaccounts.com.
Dude is literally giving the best option at the bottom of his post followed by "what should I do"? If you're unemployed and speculating your savings away after already having made decent profit you're asking for an ass kicking. OP sell your bag, buy SGOV or BILS and collect 3-4% on it while you find a job and work on your career.
I use XHLF. This fund only charges 3 bps fees, and it holds tbills up to 12 months. When rates are falling due to Fed rate cut, this fund should hold higher rates longer. OTOH if rates are raised by Fed, would take longer to rise since the longer term tbills will keep the blended yield as it had been before. SGOV is an excellent fund if you are looking for something closer to a money market fund, having shorter term tbills than XHLF.
Bear markets are tricky because you get the random +5% day and think things are going to V, when they are just a bull trap. I can't see much to trade right now either. Keep in in cash (SGOV) or maybe TLTW while you wait
Thank you. Yes, in the US. You are correct about financial advisors. My current liquid positions are conservative. Have built a large cash position sitting in $SGOV. Was in gold via call options till about a month ago. Not sure what I'm looking for TBH. Thought there may be opportunities I am not aware of. I am a savvy investor and took control of my accounts from a FA at the start of the year. I have been taking profits slowly thru the year to take advantage of my low relative tax rate (retired early for reasons) compared to when I was working. So I am being cognizant of tax implications as well. Thanks. And good luck to you
If you're a US resident SGOV pays 4% and is exempt from state taxes.
With ambiguous purchase dates, you could assume larger risk, like a slight equity index allocation, maybe longer duration risk like intermediate treasuries rather than tbills, etc. Either way, the two best looking cash-like risk free rate investments are SGOV/CLIP or BOXX, though BOXX's tax treatment has had the spectre of the SEC looking over it, whether its method of avoiding capital gains distributions to make it more tax efficient for you is legal or not. Thats been murmured about for a couple years. For more risk you can use SHY/IEF for short and intermediate treasury bonds, simple index ETFs for stock exposure, you could expand the exposures to something similar to the "Golden Butterfly Portfolio", which is a variation of the "Permanent Portfolio", which diversifies between short and long duration bonds, stocks, and gold to produce a portfolio with lower-than-market max drawdowns but decent returns to preserve and hopefully increase your purchasing power. Depends how flexible your timelines are.
I'm personally shooting for 25% in Treasury Bonds (via CSHI and SGOV), 25% in ETFs that offer a mix of dividends and growth (DGRO and DIVO), 25% in growth-tech (QQQ), and 25% in high conviction stocks (primarily Google and Amazon at the moment). Good luck.
Well yea by cash I mean 100% SGOV
Feels even better to be 85% SGOV and 15% $550P QQQ :D
I settled on SGOV and don’t remember why. I compared all of the major short term treasury etfs
A riskier box spread ETF like BOXX can provide sub 5% returns every year, and it acts like a government bond. He doesnt even have to risk the money given to him if he just parks it on SGOV or BOXX.
Yup, either an SPX-based ETF (SPY, VOO, etc) if you want a reasonable chance of 7% per year, or short term treasuries (SGOV) if you absolutely wanted to guarantee having more when you came out than when you went in. Current short term yields are 4% but they may decrease in the coming years. To hedge your bets, you could split them 50/50.
SGOV. It will allow you to keep up with inflation while your gone. Just reinvest the distributions automatically.
PULS. It's a bit more diversified than SGOV/MMF and slightly higher yielding. For me it's the best ultrashort bond fund.
Pick based on state-tax pass-through, liquidity, and settlement needs. FDLXX and SGOV are both mostly state-tax free, but check your 1099's U.S. government interest percentage; repo may not count. I use Schwab's SNSXX, 13-week T-bill auctions, and Gainbridge for fixed-rate annuities - same idea: pick by pass-through and liquidity.
Why bother trading when SGOV is easy risk free
lol so SGOV is outperforming BTC
SGOV is where I’ve been hiding for a year or so. I still do some trading but valuations seem really high.
SGOV 30 Day SEC Yield as of Nov 13, 2025 = 3.92%
[SNSXX](https://www.schwabassetmanagement.com/products/snsxx) is Schwab's equivalent to SGOV, comprised entirely of US Treasuries and thus exempt from state taxes. Obligatory reminder to read the prospectus and fact sheets yourself and consult your CPA if you have any questions, though. Don't rely on Reddit of all things to give you information.
I would personally prefer not to invest my family’s money. But if I was on the hook for it I would split it between equity ETFs and bonds. VOO, TLT, SGOV, etc., maybe some other vanguard funds. Keep it simple and low risk.
I don’t think SGOV is that high
SGOV is currently 4.35%. Not sure about the others.
No, it’s not. SWVXX-based income is not exempt from state income taxes. The Schwab fund closest to SGOV is SNSXX. There are minor differences but it sounds like the highest priority for you is limiting exposure to state income taxes for this pile of cash.
SGOV is solid. No state tax on the divs is nice. I'd just park it there and not overthink it ha. Less hassle than moving money around.
Why TIPS and SGOV instead of TLT? If I buy TLT ( which I did ), it gives better dividend and higher value when stocks are taking a hit like 2009 and 2020. What is the negative for TLT?
SGOV https://www.ishares.com/us/products/314116/ishares-0-3-month-treasury-bond-etf Scroll down to the "Portfolio Characteristics" section SWVXX https://www.schwab.com/money-market-funds Just scroll down a little.
You're welcome. All that said, I don't think TIPS are bad but just misunderstood. Captain Chaos wants rates low to run it hot to inflate away the debt. This will leave us ripe for inflationary shocks: *unexpected* inflation. I'm personally switching my SGOV position over to short-duration TIPS (VTIP). Shorter duration minimizes some of the volatility of the above things I listed and buffers against rate hikes (VTIP was only -3% in 2022). However, I am *not* replacing my main holdings of nominals with TIPS.
well then go to the web site for each and look for the latest yield SGOV 30 day yield is 3.92% SWVXX 7 day yield is 3.79% That makes SGOV about $11/mo higher for every $100,000 you put in.
SGOV NAV goes up about a penny a day. That is the equivalent of a daily dividend in a money market mutual fund. On the first of each month, they pull the div out of the NAV and start over. So the price does fluctuate during the month and you would probably have a short-term cap gain or loss unless you sold at the same exact price you bought at. Look at a 6-month chart to see how this works.
SGOV is state-tax free if that matters. SGOV NAV goes up about a penny a day during the month and then they pull out the div and start over again. So if you park it there for a few months, unless you sell at the same exact price you bought at, you're going to have a short-term cap gain or loss. This is probably trivial but you didn't say how much money is involved. The maximum cap gain or loss per share would be about 30 cents depending on your buy and sell dates.
Don't bother. Just buy swvxx, Schwab money market fund. I think its yield is slightly higher than SGOV.
Ok what about the interest rate . Is fidelity paying better than SGOV or how do I figure that ? I think it’s roughly the same , but not sure
This .SGOV and USFR gains are almost state tax exempt.
If you are living in a state with state taxes, than SGOV is the clear winner since you don't have to pay state taxes on it. SGOV holds 0-3 months Tbills only and it's only federally taxed.
SGOV dividends are exempt from state income tax & Fidelity account is not exempt.
- TIPS (Treasury Inflation-Protected Securities) - long-term inflation protection - SGOV (an ultra-short-term Treasury ETF) - for capital preservation and liquidity They serve different purposes. I would rather ask, why TIPS and not TLT.
Just buy SGOV and stop thinking about bonds so much.