ITOT vs SGOV
iShares Core S&P Total U.S. Stock Market ETF vs iShares 0-3 Month Treasury Bond ETF
Last updated: 2026-04-02
iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund issued by iShares that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.12%. Launched in 2004, the fund has a 22-year track record.
iShares 0-3 Month Treasury Bond ETF (SGOV) is an exchange-traded fund that provides exposure to short-duration U.S. Treasury bonds with low interest rate risk. It charges a low expense ratio of 0.09%. The fund offers a high dividend yield of 4.01%. Launched in 2020, the fund has a 6-year track record.
Quick Verdict
ITOT has a slightly lower expense ratio (0.03% vs 0.09%), saving about $119 per $10,000 over 10 years. Over the past year, ITOT has significantly outperformed with a 17.2% return vs 0.0%. Income investors may prefer SGOV for its higher yield (4.0% vs 1.1%).
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Top Holdings
ITOT Top Holdings
| Name | Weight |
|---|---|
| NVIDIA CorporationNVDA | 6.59% |
| Apple Inc.AAPL | 5.91% |
| Microsoft CorporationMSFT | 4.29% |
| Amazon.com, Inc.AMZN | 3.15% |
| Broadcom Inc.AVGO | 2.31% |
| Alphabet Inc.GOOG | 2.07% |
| Meta Platforms, Inc.META | 1.86% |
| Tesla, Inc.TSLA | 1.65% |
| Berkshire Hathaway Inc.BRK.B | 1.39% |
Which One Should You Choose?
Choose ITOT if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose ITOT if...
recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.
Choose SGOV if...
you prioritize dividend income and want higher regular distributions from your portfolio.