State Street US Government Money Market Fund Premier Shares Returns Calculator
Calculate historical returns and project future compounding for State Street US Government. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Money Market (US)
AUM
$142.66 Billion
Expense Ratio
0.11%
Fund Manager
State Street Global Advisors (SSGA)
State Street US 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 | $3,789 Invested: $3,600 | $6,532 Invested: $6,000 | $13,377 Invested: $12,000 |
| $250/mo | $9,473 Invested: $9,000 | $16,329 Invested: $15,000 | $33,443 Invested: $30,000 |
| $500/mo | $18,946 Invested: $18,000 | $32,658 Invested: $30,000 | $66,887 Invested: $60,000 |
| $1,000/mo | $37,892 Invested: $36,000 | $65,316 Invested: $60,000 | $133,774 Invested: $120,000 |
| $2,500/mo | $94,729 Invested: $90,000 | $163,290 Invested: $150,000 | $334,434 Invested: $300,000 |
* Projections calculated using actual historical 3-year (3.3%), 5-year (3.3%), and 10-year (2.12%) performance data. Actual mutual fund returns fluctuate with market NAV.
About State Street US Government Money Market Fund Premier Shares
State Street Institutional U.S. Government Money Market Fund (GVMXX) is a massive wholesale cash management fund managing over $215 Billion. With an industry-low 0.11% expense ratio, it provides institutional clients with maximal yield retention and sovereign safety.
Investment Strategy
Institutional Government Liquidity Strategy â Invests at least 99.5% of total assets in cash, U.S. government securities, and government repo agreements with an average weighted maturity under 60 days, targeting constant $1.00 NAV.
Key Facts
- Maintains a stable $1.00 net asset value (NAV) per share
- Ultra-low 0.11% net expense ratio matching Vanguard pricing
- Over $215 Billion in institutional assets under management
- Backed by State Street Global Advisors (SSGA)
Historical Returns
3-Year CAGR
0.0%
5-Year CAGR
3.30% (Compound Yield)
10-Year CAGR
2.12% (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, State Street US Government's portfolio includes:
Top 5 Holdings
- U.S. Treasury Bills & Notes (~55-65%)
- U.S. Government Agency Repos (~35-45%)
- Cash Equivalents (<1%)
Sector Allocation
U.S. Treasury Debt 58.4%, Government Agency Repos 41.3%, Cash Equivalents 0.3%
Risk & Drawdowns
Near-zero NAV volatility targeting continuous $1.00 share value.
Maintained unbroken $1.00 NAV throughout all market stress environments.
Tax Treatment
Dividends are taxable federally. Treasury percentage is exempt from state and local income taxes.
Who Should NOT Invest in State Street US Government?
Retail investors seeking sub-$1,000 minimums or multi-year wealth accumulation.
About the Fund Manager
Managed by State Street Global Advisors Global Cash Management team.
Who Is This Fund Suitable For?
Ideal for institutional treasury managers, pension cash reserves, and global institutional investors seeking low-cost government liquidity backed by State Street.
More Funds from State & Similar Schemes
Similar Funds to Consider
- Vanguard Federal Money Market Fund (VMFXX)
- Goldman Sachs FS Government Fund (FGTXX)
- BlackRock Liquidity Treasury Trust Fund (TTTXX)
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 State Street US Government Investors
- FIRE Calculator â Plan your retirement corpus with State Street US Government as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in State Street US Government could cost you
- SIP vs EMI Calculator â Compare investing in State Street US Government vs paying off loans
Frequently Asked Questions About State Street US Government
What is the historical SIP return of State Street US Government?
Based on the latest data, State Street US Government has delivered an annualized return (CAGR) of 0.0% over 3 years, 3.30% (Compound Yield) over 5 years, and 2.12% (Compound Yield) over 10 years. Maintained unbroken $1.00 NAV throughout all market stress environments.
How is State Street US 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 State Street US Government generate over 5 years?
At an estimated annual return rate of 3.3%, a monthly $500 investment ($30,000 total invested) would grow to approximately $32,658 in 5 years, yielding an estimated wealth gain of $2,658. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in State Street US Government?
State Street US Government's top holdings include U.S. Treasury Bills & Notes (~55-65%), U.S. Government Agency Repos (~35-45%), Cash Equivalents (<1%), and others. The fund's sector allocation is U.S. Treasury Debt 58.4%, Government Agency Repos 41.3%, Cash Equivalents 0.3%.
What is the risk profile of State Street US Government?
Near-zero NAV volatility targeting continuous $1.00 share value. This fund may not be suitable for retail investors seeking sub-$1,000 minimums or multi-year wealth accumulation..
What are the tax implications of investing in State Street US Government?
Dividends are taxable federally. Treasury percentage is exempt from state and local income taxes.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
Ready to check State Street US Government returns?
Use our free calculator with real historical NAV data â no sign-up needed.
Open State Street US Government Returns Calculator â