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Personal Investments • Crazy question: what’s safer SGOV vs FDIC insured bank account

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I stand corrected; indeed it is 4.18% https://www.ishares.com/us/products/314 ... lsrc=aw.ds
4.18% is the SEC Yield, but when does and SGOV holder actually get paid 4.18%?
The actual payout is shown in an ETFs distribution table. I know that's past history.
SGOV only publishes the actual payout, not an annualized percentage.

Vanguard discusses SEC Yield:
SEC yield
A non-money market fund's SEC yield is based on a formula developed by the SEC. The method calculates a fund's hypothetical annualized income as a percentage of its assets.

A security's income, for the purposes of this calculation, is based on the current market yield to maturity (for bonds) or projected dividend yield (for stocks) of the fund's holdings over a trailing 30-day period. This hypothetical income will differ (at times, significantly) from the fund's actual experience. As a result, income distributions from the fund may be higher or lower than implied by the SEC yield.

The SEC yield for a money market fund is calculated by annualizing its daily income distributions for the previous 7 days.
Bottom line question: How does one predict what the payout from a fund or ETF will be?
I vote that there is no published number that does it.

Statistics: Posted by hudson — Tue Apr 15, 2025 6:11 am — Replies 16 — Views 2166



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