Three U.S. versions of 'Yu'e Bao,' with 4-5% annualized returns SGOV: Underlying assets are U.S. Treasury bonds maturing within three months, great liquidity, top choice for large funds. USFR: Underlying assets are zero-coupon Treasury bonds, ideal during interest rate hike cycles. BOXX: No dividends, returns are purely reflected in price increases, effectively avoiding dividend withholding tax.