SCHG vs SGOV: ETF Comparison
Compare SCHG (Schwab U.S. Growth ETF) and SGOV (iShares 0-3 Month Treasury Bond ETF) side by side by average annual total return since inception — one fair number covering price and dividends.
Updated Sep 15, 2026
*For entertainment purposes ONLY! NOT financial advice! Data may be inaccurate.*
SCHG vs SGOV: The Verdict
On average annual total return since inception, SCHG decisively outperforms SGOV: +16.4% per year vs +2.9% per year — a gap of 13.4 percentage points annually. Total return counts both price movement and dividends, so this is the whole picture of each fund's performance, not just yield.
Keep the track records in mind: SCHG has been trading for 16.8 years, while SGOV has only 6.3 years of history. A shorter track record means the younger fund's average has been shaped by fewer market environments — one strong or weak stretch moves the needle more.
Income investors will notice the yield gap: SGOV currently yields 3.50% vs SCHG's 0.4%. Higher yield often comes with trade-offs in price appreciation, which is exactly why total return is the fairer scoreboard.
SCHG vs SGOV Side-by-Side Data
| Symbol | Name | Provider | Inception | Age | Total Return | Avg. Annual Return | Yield | Expense Ratio | Grade |
|---|---|---|---|---|---|---|---|---|---|
| SCHG | Schwab U.S. Growth ETF | Schwab | 12/11/2009 | 16.8y | +1167.0% | +16.4% | 0.4% | 0.04% | A |
| SGOV | iShares 0-3 Month Treasury Bond ETF | iShares | 5/26/2020 | 6.3y | +20.0% | +2.9% | 3.50% | 0.09% | C |
SCHG vs SGOV — Frequently Asked Questions
Which is better, SCHG or SGOV?
By average annual total return since inception, SCHG decisively outperforms SGOV (+16.4% vs +2.9% per year). "Better" depends on your goals — yield, payout frequency, and strategy differ between the two funds.
What is the difference between SCHG and SGOV?
SCHG (Schwab U.S. Growth ETF) is offered by Schwab and currently yields 0.4%. SGOV (iShares 0-3 Month Treasury Bond ETF) is offered by iShares and yields 3.50%. Their average annual total returns since inception are +16.4% and +2.9% respectively.
Does SCHG pay a higher dividend than SGOV?
SCHG currently yields 0.4% and SGOV yields 3.50%. Remember that yield alone doesn't capture performance — total return (price + dividends) is the fairer comparison.