SGOV vs USFR: Dividend Yield, Total Return & Fees Compared
iShares 0-3 Month Treasury Bond ETFWisdomTree Floating Rate Treasury Fund
Data as of the close · refreshed automatically every trading day
Performance: SGOV vs USFR
Total return assumes every distribution is reinvested. Switch to price return to see the change in share price alone.
Total Return (%) · dividends reinvested · Nov 7, 2025 – Nov 9, 2026
DividendDuel.comSGOV vs USFR at a glance
iShares 0-3 Month Treasury Bond ETF (SGOV) and WisdomTree Floating Rate Treasury Fund (USFR) are compared below using data through the November 9, 2026 close, refreshed after every trading day.
Over the past year, USFR returned +4.09% with dividends reinvested, compared with +3.73% for SGOV. USFR currently yields 3.71% (trailing 12-month) against 3.63% for SGOV. Across five years the total-return gap is +21.83% for USFR vs +20.90% for SGOV.
USFR leads on both current yield and 1-year total return. Yields and returns move with markets, so check the longer periods below before drawing conclusions.
| Metric | SGOV | USFR |
|---|---|---|
| Last close | $100.50 | $50.45 |
| Dividend yield | 3.63% (TTM) | 3.71% (TTM) |
| Expense ratio | — | — |
| Pays | monthly | monthly |
| Dividends, last 12 months | $3.65 (12 payments) | $1.87 (12 payments) |
| Issuer | iShares | WisdomTree |
| Inception | — | — |
Overview
Key fund stats as of the latest close.
Total returns
Price change plus dividends paid, by holding period. Best in each period is outlined.
Downside and distribution variability
Income and ending returns do not describe the whole investment experience.
Across 1,265 shared trading dates from October 26, 2021 to November 9, 2026, the largest observed peak-to-trough decline with dividends reinvested was -0.03% for SGOV and -0.18% for USFR. These figures use the same available dates for both instruments, exclude intraday moves, and are not forecasts.
SGOV's recorded distributions over the 12 months ending November 9, 2026 ranged from $0.2724 to $0.3286 per share across 12 distribution dates. A payment range includes special distributions and does not establish the amount of a future payment.
USFR's recorded distributions over the 12 months ending November 9, 2026 ranged from $0.1449 to $0.1712 per share across 12 distribution dates. A payment range includes special distributions and does not establish the amount of a future payment.
Fund expense ratios are annual operating costs, not a bill added to the historical returns shown here. Trading spreads, brokerage costs and personal taxes can reduce an investor's realized return.
Recent distributions
The latest 12 distributions per share, newest first. Dates are reported ex-dividend dates, not cash payment dates.
| SGOV | USFR | ||
|---|---|---|---|
| Nov 2, 2026 | $0.3286 | Oct 27, 2026 | $0.1712 |
| Oct 1, 2026 | $0.3005 | Sep 25, 2026 | $0.1582 |
| Sep 1, 2026 | $0.3071 | Aug 26, 2026 | $0.1605 |
| Aug 3, 2026 | $0.3068 | Jul 28, 2026 | $0.1599 |
| Jul 1, 2026 | $0.2958 | Jun 25, 2026 | $0.1512 |
| Jun 1, 2026 | $0.2995 | May 26, 2026 | $0.1542 |
| May 1, 2026 | $0.2979 | Apr 27, 2026 | $0.1567 |
| Apr 1, 2026 | $0.2927 | Mar 26, 2026 | $0.1483 |
| Mar 2, 2026 | $0.2724 | Feb 24, 2026 | $0.1449 |
| Feb 2, 2026 | $0.3092 | Jan 27, 2026 | $0.155 |
| Dec 19, 2025 | $0.323 | Dec 26, 2025 | $0.1568 |
| Dec 1, 2025 | $0.3129 | Nov 24, 2025 | $0.1535 |
SGOV vs USFR: common questions
Which pays a higher dividend, SGOV or USFR?
As of November 9, 2026, SGOV yields 3.63% (trailing 12-month) and USFR yields 3.71% (trailing 12-month), so USFR currently pays the higher yield. A higher yield does not guarantee a higher total return.
Which has performed better, SGOV or USFR?
Over the past year with dividends reinvested, SGOV returned +3.73% and USFR returned +4.09%. Over five years, SGOV returned +20.90% and USFR returned +21.83%. Past performance does not predict future results.
What would $10,000 in SGOV vs USFR be worth after one year?
With dividends reinvested, $10,000 invested one year before November 9, 2026 would have grown to about $10,373 in SGOV and $10,409 in USFR.
How often do SGOV and USFR pay dividends?
SGOV pays monthly (12 payments in the last 12 months) and USFR pays monthly (12 payments).
Is SGOV or USFR the better investment?
It depends on your goals, time horizon and tax situation. Income-focused investors often weigh yield and payment frequency, while long-term investors usually compare total return and fees. Dividend Duel is an educational tool and does not provide investment advice.
Research SGOV and USFR beyond the yield
Check each fund's maturity, credit exposure and interest-rate sensitivity in its issuer documents. Compare those differences with fees and the historical record instead of treating all bond or cash-oriented funds as interchangeable.
Review iShares 0-3 Month Treasury Bond ETF (SGOV) payment history and WisdomTree Floating Rate Treasury Fund (USFR) payment history before choosing assumptions for the dividend reinvestment calculator. Run each scenario separately; the calculator uses your rates rather than importing these historical returns.
For a cash target, use the income goal calculator. Read our guide to comparing dividend ETFs and data and editorial approach for context on the historical figures.
Related comparisons
More side-by-side comparisons with SGOV and USFR.
Published by Delta Dividends LLC. This page is for education only and is not investment advice. Past performance does not guarantee future results. Read the full disclosure.