Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
BIL vs SPLG: how they differ
BIL is a short-term Treasury fund and SPLG an equity index fund, and over the year SPLG returned more, +17.6% against +3.7%.
SPDR Bloomberg 1-3 Month T-Bill ETF and S&P 500, book from IVV.
| BIL SPDR Bloomberg 1-3 Month T-Bill ETF | SPLG S&P 500, book from IVV | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | S&P |
| What it is | 1-3 month T-bills | S&P 500, book from IVV |
| Total return, 1 year | +3.7% | +17.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −13.8 pts | +0.1 pts |
| Expense ratio | 0.14% | not published |
BIL in plain words
BIL is a cash and treasury bills tracking the 1-3 month T-bills. Over the year to Sep 11, 2026 it returned +3.7% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.14% a year.
SPLG in plain words
SPLG is an index equity fund tracking the S&P 500. Over the year to Sep 11, 2026 it returned +17.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100.
Questions people ask
- Which returned more over the last year, BIL or SPLG?
- In the year to Sep 12, 2026, with distributions reinvested, BIL returned +3.7% and SPLG returned +17.6%, so SPLG returned more. One year is one year; the longer windows are in the table.
Other comparisons
Where to next
Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, BIL against SPLG, data as of Sep 12, 2026. https://etfiq.com/compare/any/BIL-SPLG Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources