Which returned more over the last year, VBIL or XHB?

In the year to Sep 12, 2026, with distributions reinvested, VBIL returned +3.8% and XHB returned −16.6%, so VBIL returned more. One year is one year; the longer windows are in the table.

Which is cheaper, VBIL or XHB?

VBIL charges 0.06% a year and XHB charges 0.35%, so VBIL is cheaper. Fees come from each fund's prospectus.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

VBIL vs XHB: how they differ

VBIL and XHB hold 0% of their weight in the same names, and VBIL returned more over the year.

Vanguard 0-3 Month Treasury Bill ETF and State Street(R) SPDR(R) S&P(R) Homebuilders ETF.

What they hold in common

By the books each fund has filed, VBIL and XHB hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in VBIL	Only in XHB
United States Treasury Bill 6.78%	Owens Corning 4.10%
United States Treasury Bill 6.10%	Advanced Drainage Systems Inc 3.60%
United States Treasury Bill 5.61%	KB Home 3.56%
United States Treasury Bill 5.41%	Builders FirstSource Inc 3.56%
United States Treasury Bill 5.18%	Meritage Homes Corp 3.53%
United States Treasury Bill 5.17%	Toll Brothers Inc 3.52%
United States Treasury Bill 5.15%	Installed Building Products Inc 3.49%
United States Treasury Bill 5.13%	PulteGroup Inc 3.44%

Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.

VBIL and XHB on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	VBIL Vanguard 0-3 Month Treasury Bill ETF	XHB State Street(R) SPDR(R) S&P(R) Homebuilders ETF
Where it sits	Core index fund	Core index fund
Issuer	Vanguard	State Street
What it is	0-3 Month Treasury Bill	SPDR S&P Homebuilders
Total return, 1 year	+3.8%	−16.6%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−13.7 pts	−34.1 pts
Expense ratio	0.06%	0.35%
Holdings	26	35

VBIL in plain words

VBIL is a cash and treasury bills tracking the 0-3 Month Treasury Bill. Over the year to Sep 11, 2026 it returned +3.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.06% a year.

XHB in plain words

XHB is an index equity fund tracking the SPDR S&P Homebuilders. Over the year to Sep 11, 2026 it returned −16.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Jun 30, 2026, 46% of the fund by weight is stocks the S&P 500 also holds, across 35 positions, with the top ten at 35.6%. It sat 20.6% below its high of Oct 18, 2024 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, VBIL or XHB?: In the year to Sep 12, 2026, with distributions reinvested, VBIL returned +3.8% and XHB returned −16.6%, so VBIL returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VBIL or XHB?: VBIL charges 0.06% a year and XHB charges 0.35%, so VBIL is cheaper. Fees come from each fund's prospectus.

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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.

VBIL against XHB, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, VBIL against XHB, data as of Sep 12, 2026. https://etfiq.com/compare/any/VBIL-XHB Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources