Dividend comparison
TBIL vs SNSXX: Which Is Better for Income?
Fees, yield, total returns, drawdowns, holdings overlap and dividend history for F/m US Treasury 3 Month Bill Fund and SNSXX, side by side. Updated October 21, 2026.
Side-by-side snapshot
Trailing twelve-month figures where available. Higher yield is highlighted — not a buy recommendation.
| Metric | TBIL F/m US Treasury 3 Month Bill Fund | SNSXX SNSXX |
|---|---|---|
| Dividend yield (TTM) | 3.63% | — |
| Dividend / share (TTM) | $1.81 | — |
| Payout frequency | Monthly | — |
| Last dividend | $0.1566 on Sep 29, 2026 | — |
| Ex-dividend date | Sep 28, 2026 | — |
| Dividend growth (CAGR) | -9.8% over 2 yrs | — |
| Price | $49.95 | — |
| Beta | -0.00 | — |
| Max drawdown (5Y) | -0.6% | — |
| Market cap | $7.62B | — |
| Exchange | NASDAQ | — |
| Expense ratio | 0.15% | — |
| Assets under management | $7.62B | — |
| Number of holdings | 6 | — |
Income on a $10,000 investment
Illustrative only — assumes current TTM yield stays constant. Actual distributions change.
TBIL
$30.28/mo
$363 /yr at 3.63% yield
SNSXX
—/mo
Yield data unavailable
Dividend history
Total dividends paid per share in each calendar year.
| Year | TBIL | SNSXX |
|---|---|---|
| 2025 | $2.0277 | — |
| 2024 | $2.5054 | — |
| 2023 | $2.4938 | — |
Strategy: Cash equivalent
Funds holding short-dated US government paper, where the objective is that the principal is there when you need it. Yield follows short-term interest rates with a short lag rather than being locked in, so income falls when the central bank cuts and rises when it hikes. Because the underlying holdings are nearly identical across providers, the expense ratio comes almost directly out of what you receive.
There is no growth here by design, and purchasing power erodes whenever the after-tax yield sits below inflation.
Performance
Total returns with dividends reinvested, from the adjusted closing price series.
| Period | TBIL | SNSXX |
|---|---|---|
| 1 month | 0.00% | — |
| 3 months | -0.02% | — |
| Year to date | 0.14% | — |
| 1 year | 0.32% | — |
| 3 years | 10.14% | — |
| 5 years | — | — |
Sector allocation
Weight of each sector within the fund. Sectors are aligned on the same row so the two funds can be read against each other directly.
- TBIL
- SNSXX
Quick verdict
Compare the metrics above, then add both tickers to a Dividend Wealth portfolio to see combined income forecasts and diversification impact.
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Frequently asked questions
Is TBIL or SNSXX better for dividend income?
Compare yield, payout sustainability, and how each fund or stock fits your income goals. Use Dividend Wealth to model both holdings inside a real portfolio forecast.
What is the difference between TBIL and SNSXX?
F/m US Treasury 3 Month Bill Fund (TBIL) is an ETF listed on NASDAQ. SNSXX (SNSXX) is a stock. Side-by-side metrics on this page cover yield, fees, returns, drawdowns, holdings overlap and dividend history when available.
Can I hold both TBIL and SNSXX?
Yes. Many income investors hold both to diversify strategy or index exposure. Whether the combination actually diversifies depends on overlapping holdings and factor exposure. Model both inside Dividend Wealth to see combined income, sector mix, and forecast impact.
Where can I compare TBIL vs SNSXX with my full portfolio?
Create a free Dividend Wealth account to import or enter holdings, forecast dividend income, and see how TBIL and SNSXX fit alongside the rest of your portfolio. A 14-day free trial of Standard is available with no credit card required; a limited Free plan is also available.
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For informational and educational purposes only. Not investment advice. Past performance and current yields do not guarantee future results. Verify figures independently before making investment decisions.