SGOV Total Return Analyzer
See full SGOV analysis →iShares 0-3 Month Treasury Bond ETF — See your real returns after distributions and NAV changes. Real yield: 3.9% (headline: 3.9%).
SGOV DRIP calculator
Compound SGOV's 3.9% real yield
Pre-filled with live SGOV data. Model 1, 5, or 10-year DRIP returns with after-tax math, adjustable yield assumptions, and Bull/Base/Bear scenarios.
What does the SGOV total return include?
SGOV total return combines two components: the cumulative distributions you received from SGOV over the holding period, and the change in NAV (share price) across the same window. Many high-yield funds advertise distribution rates that look spectacular in isolation but mask meaningful NAV erosion. The analyzer above shows exactly how much of your SGOV return came from distributions versus price change — a 50% annualized distribution rate paired with a 30% NAV decline is a very different investment than a 50% distribution with flat NAV.
iShares 0-3 Month Treasury Bond ETF (SGOV) is issued by iShares. Holds U.S. Treasury bills with 0-3 month maturities — essentially cash equivalents with near-zero credit and duration risk. 30-day SEC yield tracks short-term T-bill rates (~3.5%), 0.09% expense ratio, $80B+ AUM. Monthly distributions. Widely used as a cash-like alternative for brokerage idle balances and short-term liquidity buckets. That strategy directly shapes the gap between headline yield and real yield: option-premium and covered-call funds tend to show large gaps, while traditional dividend ETFs and index funds usually show small ones.
For the detail behind each payment, see the SGOV dividend history. To project how future SGOV distributions compound under DRIP, open the SGOV dividend calculator.