SGOV - ok, thanks for the explanation. In my case the periodic sweeps of cash in and out of SGOV take less than a minute maybe 3 times a week. As for keeping track in SSKMP, you always have a sizable cash position - no need to sweep daily, you could have 20% of your portfolio in SGOV and rarely would you need to draw from it since you always seem to have at least that much cash. And it would more closely reflect your personal returns in treasury bills. jmho