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

In the year to Sep 12, 2026, with distributions reinvested, VBIL returned +3.8% and XLK returned +39.2%, so XLK returned more. One year is one year; the longer windows are in the table.

Which is cheaper, VBIL or XLK?

VBIL charges 0.06% a year and XLK charges 0.08%, 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 XLK: how they differ

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

Vanguard 0-3 Month Treasury Bill ETF and State Street(R) Technology Select Sector SPDR(R) ETF.

What they hold in common

By the books each fund has filed, VBIL and XLK 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 XLK
United States Treasury Bill 6.78%	NVIDIA Corp 14.66%
United States Treasury Bill 6.10%	Apple Inc 12.86%
United States Treasury Bill 5.61%	Microsoft Corp 8.38%
United States Treasury Bill 5.41%	Micron Technology Inc 5.42%
United States Treasury Bill 5.18%	Broadcom Inc 5.41%
United States Treasury Bill 5.17%	Advanced Micro Devices Inc 5.28%
United States Treasury Bill 5.15%	Intel Corp 3.68%
United States Treasury Bill 5.13%	Applied Materials Inc 3.20%

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 XLK on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	VBIL Vanguard 0-3 Month Treasury Bill ETF	XLK State Street(R) Technology Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	Vanguard	State Street
What it is	0-3 Month Treasury Bill	Technology
Total return, 1 year	+3.8%	+39.2%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−13.7 pts	+21.7 pts
Expense ratio	0.06%	0.08%
Holdings	26	74

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.

XLK in plain words

XLK is an index equity fund tracking the Technology. Over the year to Sep 11, 2026 it returned +39.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 74 positions, with the top ten at 64.5%. It sat 5.2% below its high of Jun 2, 2026 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, VBIL or XLK?: In the year to Sep 12, 2026, with distributions reinvested, VBIL returned +3.8% and XLK returned +39.2%, so XLK returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VBIL or XLK?: VBIL charges 0.06% a year and XLK charges 0.08%, 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 XLK, 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 XLK, data as of Sep 12, 2026. https://etfiq.com/compare/any/VBIL-XLK Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources