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SGOV

etf54Conservative

iShares 0–3 Month Treasury Bond ETF

US Total Bond (T-Bills)

$100.00
AUM $35.00B

Snapshot

Holds ultra-short US Treasury bills — about as low-risk as investing gets. A cash-like parking spot for capital preservation and yield while you wait.

Expense Ratioi
0.09%
10Y Return
2.5%
annualized
15Y Return
—
annualized
20Y Return
—
annualized
Yield
4.8%
Holdings
15
AUM
$35.00B
Turnoveri
0%
Tracking Err.
0.02%
Structure
Passive

Long-Term Total Return

i

Decade-scale view, dividends reinvested, vs. the S&P 500.

SGOV1.3×S&P 5002.4×

Growth of $10,000 invested at the start of the period, total return (price + reinvested dividends). Illustrative.

Risk Profile

i
Conservative

Lower volatility, steadier — capital preservation and income.

Volatilityi
1%
Betai
0.10
Max Drawdowni
-6%
1Y Return
+16%
momentum

2–5 Year Outlook

i

Hypothetical bear / base / bull scenarios — not a prediction.

Hypothetical 5-year scenarios for $10,000 invested today.

ScenarioAnnualizedTotal return$10,000 →
Bull
7%/yr total return
+6.5%/yr+37%$13,701
Base
3%/yr total return (≈ long-run trend)
+2.5%/yr+13%$11,314
Bear
-3%/yr total return
-2.5%/yr-12%$8,811

Projected from the fund's long-run total-return trend, widened by its volatility.

Hypothetical scenarios, not a forecast. These ranges are modeled from illustrative assumptions about growth and valuation — not predictions, price targets, or a recommendation to buy or sell. Real outcomes vary widely and can be negative. Not investment advice.

Fund Facts

Expense ratio
0.09%
Lower compounds to more wealth over decades
30-day yield
4.8%
Holdings
15
Turnover
0%
Proxy for tax efficiency
Tracking error
0.02%
Structure
Passive index
Fund age 3y

Sector Exposure

  • US T-Bills100%

Geographic Exposure

  • United States100%

Moat Analysis

i
4 / 5

Not a growth vehicle — its role is capital preservation: principal stability plus short-term yield, with almost no interest-rate or credit risk.

Risk Factors

What could impair the long-term thesis.

  • Returns roughly track short-term rates — low long-run growth
  • Loses purchasing power if inflation exceeds the yield
  • Reinvestment risk if rates fall

Hypothetical Growth

What a past investment would be worth today.

Hypothetical growth calculator

See what an investment made years ago would be worth today, vs. the S&P 500 — a Premium tool.

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Forward Scenario Modeler

Project a starting investment across multi-decade horizons.

Forward scenario modeler

Model conservative, base, and optimistic returns across 10–40 year horizons with Premium.

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Data as of 2025-12-31. Illustrative sample data for research & education — not live market data, and not a recommendation to buy or sell SGOV.