SGOV
iShares® 0-3 Month Treasury Bond ETF
Mentions (24Hr)
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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
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.
Sell all equities and buy short term Treasuries like SGOV. Things are going to get really bad really soon. Wait and lose everything.
I just bought 10k of SGOV. Might be buying a house in 26 though.
So you’re up $50k? That’s a solid 30% or so gain. Sell everything now, put it in SGOV and take a month off and regroup.
I'm 25% in SGOV, 50% in AI bubble stocks, and rest in defensive stocks.
shoved the money into SGOV .... boomer move for ghey times
Because instead of investing the last 50k, I put it into SGOV. Whenever a ticker I know well declines, I buy more. At some point, the system will be crushed by the weight of its own failures. That’s when I really pounce.
So far so good. $100k in a Cap One 360 performance savings account with a variable apy currently @ 3.5%—same as Wealthfront—and a $1500 cash bonus after 90 days. I also did Live Oak Bank’s $300 bonus for $20k, which at present has an even better apy @ 3.9%. The rest in SGOV. I decided to churn a portion of it against what seemed to be the majority opinion on here, but heeded the advice of staying away from fintech. IMO $1800 return for 20 mins of work parking money in FDIC insured accounts that earn a competitive apy is a good deal 🤷🏻♂️
I would probably plunk it all in SGOV and wouldn't think about it as long as yield was above 2%. no interest in building generational wealth, if i can throw off $200k/yr, even if the $10M is slowly eroding from inflation thats still means never working again while not sacrificing at all
Well I loaded up bigly on QQQ $550P that are 6 months out. Now 15% of portfolio with the rest in SGOV. Lets eat.
On average, there is at least one 10% pull back in the market every year. Not always. But typically. Now with interest rates near NOTHING then you are correct. The opportunity cost of holding cash or equivalent is high. But in a higher rate environment where I can get 5% pretty safely while waiting for market wide pull back, that opportunity cost is less. I keep 15% in SGOV or other similar position (depending on the brokerage), and use margin to sell cash secured puts in whichever name I for sure want to buy on a pullback. For example, right now I’m targeting GOOG on any pullbacks. I am sitting at a 58% total return this year between my dividends, options premium, and having “dry powder” during the liberation day BS.
Bonds are good when the market is down. You can sell the bonds or wait for them to mature and buy stock at depressed prices. But you need to buy actually bonds not bond etfs. The exception is short term etfs like SGOV which won’t lose much value when rates change. I would only suggest bonds if you are semi close to retirement
Can you share how you calculate bond returns? For my brokerage account, the gains from my short term bond fund, SGOV, are reinvested so they aren't visible in the Gain/Loss column; they instead buy new shares that increase the cost basis. Each month a dividend is paid and reinvested to compound. I can see that the total value of those bonds is about 10% higher than it was when I made the original purchase last year. So for me SGOV returns consistently over 5%, and without any fees when purchased through my brokerage account. Scroll down [this iShares page](https://www.ishares.com/us/products/314116/ishares-0-3-month-treasury-bond-etf?cid=ppc:us:volatility:ish::pi::google:sgov::&gclsrc=aw.ds&gad_source=1&gad_campaignid=20572521359&gbraid=0AAAAAD-1UhU0_5Q5EZdDuIjHTrs8bdoFt&gclid=CjwKCAiAw9vIBhBBEiwAraSATnN42diEj343Kb8kZ80Nhr6B4SHWWEtcuzjdp-0Y10-gQwJqUBQMtBoCS-cQAvD_BwE) and look at the Average, Cumulative, and Calendar Year total return. Can you really beat that with cash? I don't see how I could do that here. My bank might offer me 5% but it will be in an account with a minimum balance and at risk for a variety of fees.
PM and BRKB for defensives, or just panic sell and hold SGOV for now
Hey just buy VOO and SGOV
in addition to BaconJacobs answer, HYSA aren’t always giving the best / matching rate. Sometimes I rotate between SGOV and VGIT depending on what rates are doing, but the difference is minimal for the amount I have in bonds.
I will add that I used it for a couple months to sell CSPs against, but the returns weren't any better than putting it in SGOV (where it is now) and the CSPs tied up the funds.
AI bubble holding the market up. I almost just wanna sell my entire portfolio and throw it into SGOV for a year or 2
I don't know about international. Not for me. I'd rather sit in SGOV before that, world seems like a dumpster fire
I have yet to see a HYSA that doesn't have hoops to jump through SGOV you get paid monthly and the gains aren't taxed, or are hardly taxed
Learn to invest. Open a Fidelity account. Put it in SGOV. Then educate yourself. Or find a trustworthy pro to work with. If you’ve never invested, you mistakes will be more expensive than their fees. Fidelity is a good place to start. Sorry for your loss.
I would put it in SGOV or a HYSA
after losing over 90k on stocks like IREN, bitcoin, Tilray, etc. I decided to buy SGOV instead... does anyone have experience with how to report SGOV in tax return so its exempt from state tax?
My SGOV is up 0.01% today
100k in SGOV, 30k cash. Waiting for some juicy deals. I bought MO on its dip, was about to buy Meta calls but I already own Meta stock. Got lucky there lol 😂
Today? SGOV. After the AI correction? VOO.
TFW the only thing green in my portfolio is SGOV
SGOV Especially if its just an emergency cash fund
SCHD, TLT, SGOV for 10k
I manage enough wealthy people to know you’re right about them. You’re not right about me though lol. But I have plenty, my life is cheap, I don’t worry much about emergencies and have plenty for it. I don’t blink at volatility anymore. I only care if I have something urgent to pay for. If I do, I sell, pay to cover it. If I know it is 8 months out, I sell and put in SGOV until I cover it. This is rare for me though. And I lose zero sleep over volatility. I’ve been at this a long time though. Cheers.
When VBIL becomes more popular maybe the premium will come down. But right now VBIL has been selling at a 0.11% premium to its NAV according to [ETF.com](http://ETF.com) while SGOV's premium stayed at 0.02% for the first half of the year and then fell to 0.01%. So the net-net of it is that the 2 basis points saved on annualized expenses is negated by the 9 basis points paid in extra premium. So for me it's SGOV for tbills.
To be blunt, .02 on 100k is $20. I'm not saying not to be money conscious but that kind of money really doesn't count. Smaller newer funds can have more NAV variance, which both causes weird capital gain issues and can theoretically result in you losing money. That said VBILs been pretty stable for some time now so maybe it's fine. It's not simple to measure because VBIL started a month late, but SGOV yield YTD is 3.68% vs 3.09% for VBIL, so don't be sure you're making more money
Safest answer easiest option for US investors is SGOV as ETF of treasuries. It's short-term, so it fluctuates very little, and pays regular dividends. I am foreign investor, so I use different ETFs.
Buy short term treasuries like SGOV (etf) or buy gold like GLD (etf) etc.
It depends on the current yield curve and where you may want to be on that yield curve. The short-term curve is inverted at the present so if you think that ultra-short term rates (the one month is a little over 4%) is going to fall more than the current 1 year of 3.6% plus the interest for 1 year - then an interest rate trader may choose a longer duration. You can also do things like take on a little more credit risk with investment grade bond funds. Or use ultra-short duration active investment grade funds. Or even target maturity funds in a ladder depending on your tax situation and timeframe. Tldr - you can make cash management as complicated as you want - but if you dont' want to time the interest rate markets or the effort to actively manage cash to eek out a few more basis points - than just keep it simple and use any ultra-short duration product. I personally think that too many people over-analyze the differences between funds like VBIL and SGOV.
"Better" is subjective. It will depend on your timeframe and any thesis that you may have on interest rate markets. Also depends on things like your tax situation and if you are willing to take on some credit risk. For example - if you are saving to buy a house in 3 years and you think that shorter term interest rates will go down - then SGOV and VBIL are poor choices. And a better choice would be longer duration treasury funds that are at least 1 year duration.
SGOV expense ratio is 0.09 while VBIL is 0.07 They basically hold the same thing so in theory VBIL should return 0.02% more what probably is not worth worrying about
Ah, I think it boiled down to everyone saying I need an all equity portfolio. I wanted to follow the Berkshire model with 10% in short term bonds. However, I got SGOV for that allocation. If I need the money, I sell SGOV and move it into savings.
You can probably tolerate a bit more risk than SGOV, so load up on CSHI.
I just got SGOV and put my emergency savings and cash allocation into that. Also, the SGOV portion represents the "bonds" portion of my portfolio. Can't go wrong with it.
"Isn't that overvalued" while the PE ratio of the S&P is 26x It may not fall today or for several years but in a historical sense the S&P is way overvalued. Add in the wealth divide and concentration of equity portions to larger and larger stakeholders and you have a stew going! There's a reason "private capital/credit" is dominating news right now. Large banks and stakeholders are trying to dump the shit onto retail investors and smaller shops trying to chase returns. I exited to early and will admit it. Trump won and I got out. I put about 50% back in after liberation day. I exited around July and have been in SGOV since. I'm up 11% YTD and don't plan on doing shit until we have a correction. Again, this could be tomorrow or in several years
They're basically a wrapper around government bonds with more costs and shittier yield than SGOV. I don't see how their forward guidance in the face of falling rates and increasing expenses could be good even if they hit targets this quarter.
I've been holding a ton of cash in SGOV since August, each month thinking it would be the month
> if you had just kept it in VOO Naw. That's too aggressive. SGOV should be the benchmark, not VOO.
Do NOT invest your hard earned down payment in either GOOGL or SPY! Way too risky if you’ll need the cash in 9 months. SGOV is an investment in 0-3 month treasuries currently paying 4.21% with zero risk. You do not want to settle for “less house” or give up your dream of home ownership by gambling in the market.
Put 25% into SGOV for taxes next April
Open a Fidelity account. Put some of that in SGOV for emergency fund. Then get in the habit of buying VOO auto and weekly. Start with what is comfortable. Then work to increase that weekly. Sell only when you have something urgent to pay for. Do that forever. That’s how personal finance works. Spend less, invest more auto. Sell only when there is something urgent to pay for. You will learn as you go. But do that first step today. Best of luck you will do great!!
How set are you on buying a house in ~18 months. If it is a firm plan, then you need to put the downpayment is safe assets like HYSA, or money market fund, or 3 month treasury bills (or SGOV which is an ETF that holds 3 months T bills). The advantage of treasuries is that you do not owe state income tax in the interest. Only if your timing of house buying is uncertain or flexible should you leave the money invested in the stock market. OTOH, if your house purchase is some indeterminate point in the future, then I would lean to staying invested in S&P500 or total US market ETF. You would be accepting the risk of a market downturn around the time you want to buy forcing you to delay the house purchase.