SCHP vs SGOV: ETF Comparison
Compare SCHP (Schwab U.S. TIPS 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.*
SCHP vs SGOV: The Verdict
On average annual total return since inception, SGOV is virtually tied with SCHP — +2.9% vs +2.6%. With a gap this small, the deciding factors are more likely to be yield, payout schedule, and how each strategy fits your goals than raw performance.
Keep the track records in mind: SCHP has been trading for 16.1 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.
SCHP vs SGOV Side-by-Side Data
| Symbol | Name | Provider | Inception | Age | Total Return | Avg. Annual Return | Yield | Expense Ratio | Grade |
|---|---|---|---|---|---|---|---|---|---|
| SCHP | Schwab U.S. TIPS ETF | Schwab | 8/5/2010 | 16.1y | +52.0% | +2.6% | 3.2% | 0.03% | B |
| SGOV | iShares 0-3 Month Treasury Bond ETF | iShares | 5/26/2020 | 6.3y | +20.0% | +2.9% | 3.50% | 0.09% | C |
SCHP vs SGOV — Frequently Asked Questions
Which is better, SCHP or SGOV?
By average annual total return since inception, SGOV is virtually tied with SCHP (+2.9% vs +2.6% per year). "Better" depends on your goals — yield, payout frequency, and strategy differ between the two funds.
What is the difference between SCHP and SGOV?
SCHP (Schwab U.S. TIPS ETF) is offered by Schwab and currently yields 3.2%. SGOV (iShares 0-3 Month Treasury Bond ETF) is offered by iShares and yields 3.50%. Their average annual total returns since inception are +2.6% and +2.9% respectively.
Does SGOV pay a higher dividend than SCHP?
SGOV currently yields 3.50% and SCHP yields 3.2%. Remember that yield alone doesn't capture performance — total return (price + dividends) is the fairer comparison.