You are losing money every day that you are not taking action! — Thom Goolsby
If you’re looking for safe ETFs to park cash while earning a yield, here are some of the best low-risk, high-liquidity ETFs that function similarly to SGOV and BIL but may offer slight variations in yield, liquidity, and expense ratio.
1. Ultra-Short-Term Treasury ETFs (Low-Risk, Government Backed)
These ETFs invest in short-term U.S. Treasury bills and provide state tax-exempt interest while maintaining high liquidity.
| ETF | Expense Ratio | 30-Day SEC Yield | Notes |
| SGOV (iShares 0-3 Month Treasury Bond ETF) | 0.07% | 4.68% | High liquidity, very low volatility |
| BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) | 0.13% | 4.15% | Slightly lower yield than SGOV |
| GBIL (Goldman Sachs Access Treasury 0-1 Year ETF) | 0.12% | 4.75% | Longer duration (up to 1-year bills), slightly higher yield |
| CLTL (Invesco Treasury Collateral ETF) | 0.08% | 4.70% | Tracks very short-term Treasuries, alternative to SGOV |
✅ Best For: Safety, liquidity, and state-tax-free income from Treasury securities.
2. Money Market & Floating Rate ETFs (Higher Yield, Still Safe)
These ETFs invest in ultra-short-term corporate and Treasury securities but may have slightly higher risk than pure Treasury ETFs.
| ETF | Expense Ratio | 30-Day SEC Yield | Notes |
| SHV (iShares Short Treasury Bond ETF) | 0.15% | 4.60% | Very short duration, yield close to SGOV |
| ICSH (BlackRock Ultra Short-Term Bond ETF) | 0.08% | 5.10% | Includes high-quality corporate bonds for a higher yield |
| JPST (JPMorgan Ultra-Short Income ETF) | 0.18% | 5.20% | Uses high-credit corporate and government bonds |
| FLTR (VanEck Floating Rate ETF) | 0.14% | 5.30% | Invests in floating-rate bonds that adjust to rising interest rates |
✅ Best For: Slightly higher yield than pure Treasuries while maintaining liquidity.
3. Short-Term Corporate & Investment-Grade Bond ETFs (Higher Yield, Slightly More Risk)
These ETFs extend duration slightly beyond 1-3 months and include corporate bonds for better yields.
| ETF | Expense Ratio | 30-Day SEC Yield | Notes |
| VUSB (Vanguard Ultra-Short Bond ETF) | 0.10% | 5.05% | High-quality investment-grade bonds |
| NEAR (iShares Short Maturity Bond ETF) | 0.25% | 5.15% | Slightly longer duration, lower volatility |
| MINT (PIMCO Enhanced Short Maturity ETF) | 0.35% | 5.40% | Higher expense, but strong yield & active management |
| FTSL (First Trust Senior Loan ETF) | 0.85% | 6.50% | Floating rate loans, more yield but slightly higher risk |
✅ Best For: Maximizing yield while keeping duration short.
📌 Which is Best for You?
🔹 If you want absolute safety, with state-tax-free interest → SGOV, BIL, GBIL, CLTL
🔹 If you want slightly higher yield with minimal extra risk → ICSH, JPST, SHV
🔹 If you are okay with some corporate exposure for better returns → MINT, VUSB, NEAR
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