Goldman Sachs Financial Square Government Fund Institutional Returns Calculator
Calculate historical returns and project future compounding for Goldman Sachs FS Government. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Money Market (US)
AUM
$216.93 Billion
Expense Ratio
0.18%
Fund Manager
Goldman Sachs Asset Management
Goldman Sachs FS Government Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 3.3% CAGR | 5 Years @ 3.3% CAGR | 10 Years @ 2.1% CAGR |
|---|---|---|---|
| $100/mo | $3,787 Invested: $3,600 | $6,525 Invested: $6,000 | $13,350 Invested: $12,000 |
| $250/mo | $9,467 Invested: $9,000 | $16,312 Invested: $15,000 | $33,374 Invested: $30,000 |
| $500/mo | $18,934 Invested: $18,000 | $32,624 Invested: $30,000 | $66,748 Invested: $60,000 |
| $1,000/mo | $37,868 Invested: $36,000 | $65,248 Invested: $60,000 | $133,495 Invested: $120,000 |
| $2,500/mo | $94,670 Invested: $90,000 | $163,120 Invested: $150,000 | $333,738 Invested: $300,000 |
* Projections calculated using actual historical 3-year (3.26%), 5-year (3.26%), and 10-year (2.08%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Goldman Sachs Financial Square Government Fund Institutional
Goldman Sachs Financial Square Government Fund is a premier institutional liquidity vehicle. It invests in high-grade U.S. government obligations and repo agreements to provide income, liquidity, and a stable $1.00 NAV.
Investment Strategy
Institutional Government Money Market Strategy â Seeks to maintain capital preservation and 100% daily liquidity by investing at least 99.5% of assets in cash, U.S. government securities, and government-backed repos with a maximum 60-day dollar-weighted average maturity.
Key Facts
- Maintains a stable $1.00 net asset value (NAV) per share
- Over $272 Billion in AUM across global institutional clients
- Low institutional expense ratio of 0.18%
- Institutional share class with $1M investment minimum
Historical Returns
3-Year CAGR
0.0%
5-Year CAGR
3.26% (Compound Yield)
10-Year CAGR
2.08% (Compound Yield)
Benchmark
FTSE 3-Month US Treasury Bill Index
Money market funds are not insured by the FDIC.
Top Holdings & Sector Allocation
As of September 2026, Goldman Sachs FS Government's portfolio includes:
Top 5 Holdings
- U.S. Treasury Bills & Notes (~50-60%)
- U.S. Government Agency Repurchase Agreements (~40-50%)
- Cash Equivalents (<1%)
Sector Allocation
U.S. Treasury Obligations 56.4%, Government Agency Repos 43.3%, Cash Equivalents 0.3%
Risk & Drawdowns
Near-zero NAV volatility aiming for constant $1.00 per share value.
Maintained continuous $1.00 NAV across all financial market cycles.
Tax Treatment
Distributions are taxable as ordinary income. A portion derived from direct Treasuries is state-tax exempt.
Who Should NOT Invest in Goldman Sachs FS Government?
Retail savers needing sub-$1,000 access or long-term growth investors.
About the Fund Manager
Managed by Goldman Sachs Asset Management Global Liquidity Solutions team.
Who Is This Fund Suitable For?
Ideal for institutional treasuries, corporate cash balances, endowments, and qualified high-net-worth investors seeking premium credit preservation.
More Funds from Goldman & Similar Schemes
Similar Funds to Consider
- JPMorgan US Government Money Market Fund (OGVXX)
- Vanguard Federal Money Market Fund (VMFXX)
- BlackRock Liquidity FedFund (TFDXX)
Or compare side by side using our main SIP calculator â you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Goldman Sachs FS Government Investors
- FIRE Calculator â Plan your retirement corpus with Goldman Sachs FS Government as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in Goldman Sachs FS Government could cost you
- SIP vs EMI Calculator â Compare investing in Goldman Sachs FS Government vs paying off loans
Frequently Asked Questions About Goldman Sachs FS Government
What is the historical SIP return of Goldman Sachs FS Government?
Based on the latest data, Goldman Sachs FS Government has delivered an annualized return (CAGR) of 0.0% over 3 years, 3.26% (Compound Yield) over 5 years, and 2.08% (Compound Yield) over 10 years. Maintained continuous $1.00 NAV across all financial market cycles.
How is Goldman Sachs FS Government SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in Goldman Sachs FS Government generate over 5 years?
At an estimated annual return rate of 3.26%, a monthly $500 investment ($30,000 total invested) would grow to approximately $32,624 in 5 years, yielding an estimated wealth gain of $2,624. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Goldman Sachs FS Government?
Goldman Sachs FS Government's top holdings include U.S. Treasury Bills & Notes (~50-60%), U.S. Government Agency Repurchase Agreements (~40-50%), Cash Equivalents (<1%), and others. The fund's sector allocation is U.S. Treasury Obligations 56.4%, Government Agency Repos 43.3%, Cash Equivalents 0.3%.
What is the risk profile of Goldman Sachs FS Government?
Near-zero NAV volatility aiming for constant $1.00 per share value. This fund may not be suitable for retail savers needing sub-$1,000 access or long-term growth investors..
What are the tax implications of investing in Goldman Sachs FS Government?
Distributions are taxable as ordinary income. A portion derived from direct Treasuries is state-tax exempt.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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