BTTRX vs. SGOV

Last updated Apr 2, 2026

Compare and contrast key facts about American Century Zero Coupon 2025 Fund (BTTRX) and iShares 0-3 Month Treasury Bond ETF (SGOV).

BTTRX is managed by American Century. It was launched on Feb 14, 1996. SGOV is a passively managed fund by iShares that tracks the performance of the ICE 0-3 Month US Treasury Securities Index. It was launched on May 26, 2020.

Performance

BTTRX vs. SGOV - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in American Century Zero Coupon 2025 Fund (BTTRX) and iShares 0-3 Month Treasury Bond ETF (SGOV). The values are adjusted to include any dividend payments, if applicable.

BTTRX vs. SGOV - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
BTTRX American Century Zero Coupon 2025 Fund	0.00%	2.79%	9.54%	7.82%	-7.63%	-2.65%	8.67%
SGOV iShares 0-3 Month Treasury Bond ETF	0.88%	4.24%	5.27%	5.12%	1.58%	0.04%	0.05%

Returns By Period

BTTRX

• 1D: —
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

SGOV

• 1D: 0.02%
• 1M: 0.30%
• YTD: 0.88%
• 6M: 1.89%
• 1Y: 4.07%
• 3Y*: 4.80%
• 5Y*: 3.41%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

BTTRX vs. SGOV - Expense Ratio Comparison

BTTRX has a 0.54% expense ratio, which is higher than SGOV's 0.09% expense ratio.

BTTRX

American Century Zero Coupon 2025 Fund

SGOV

iShares 0-3 Month Treasury Bond ETF

Return for Risk

BTTRX vs. SGOV — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SGOV

SGOV Risk / Return Rank: 100
SGOV Sharpe Ratio Rank: 100
SGOV Sortino Ratio Rank: 100
SGOV Omega Ratio Rank: 100
SGOV Calmar Ratio Rank: 100
SGOV Martin Ratio Rank: 100

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BTTRX vs. SGOV - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for American Century Zero Coupon 2025 Fund (BTTRX) and iShares 0-3 Month Treasury Bond ETF (SGOV). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	BTTRX	SGOV	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	20.61	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	14.12	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	12.34	—

Correlation

The correlation between BTTRX and SGOV is 0.07, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

BTTRX vs. SGOV - Dividend Comparison

BTTRX has not paid dividends to shareholders, while SGOV's dividend yield for the trailing twelve months is around 3.95%.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BTTRX American Century Zero Coupon 2025 Fund	0.00%	0.00%	4.96%	4.00%	3.47%	3.27%	7.69%	3.90%	5.25%	1.05%	3.42%	2.85%
SGOV iShares 0-3 Month Treasury Bond ETF	3.95%	4.10%	5.10%	4.87%	1.45%	0.03%	0.05%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

Drawdown Indicators

	BTTRX	SGOV	Difference
Max Drawdown Largest peak-to-trough decline	—	-0.03%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-0.01%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-0.03%	—
Current Drawdown Current decline from peak	—	0.00%	—
Average Drawdown Average peak-to-trough decline	—	0.00%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	0.00%	—

Volatility

Volatility by Period

	BTTRX	SGOV	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	0.06%	—
Volatility (6M) Calculated over the trailing 6-month period	—	0.13%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	0.20%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	0.24%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	0.24%	—