Which returned more over the last year, AGG or BIL?

In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and BIL +3.7%.

Which is cheaper, AGG or BIL?

AGG is cheaper, by 0.11 percentage points a year. That is about $11 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

AGG vs BIL: Differences, Returns & Fees

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AGG's duration was 5.8 years on Aug 31, 2026 and BIL's 0.2 on Jun 30, 2026; AGG charges 0.03% to BIL's 0.14%.

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Net assets on Oct 27, 2026: $139.4bn for iShares Core U.S. Aggregate Bond ETF and $48.7bn for SPDR Bloomberg 1-3 Month T-Bill ETF.

AGG on its own →BIL on its own →

At a glance

−1.4%

AGG total return, 1 year

+3.7%

BIL total return, 1 year

0.03%

AGG expense ratio

0.14%

BIL expense ratio

Pair scorecard

AGG costs 0.11 points a year less; their one-year returns differ by 5.1 points; AGG is 2.9 times larger.

AGG vs BIL: Differences, Returns & Fees
Measure	AGG	BIL
Return
Measure	AGG	BIL
Total return, 1 year	−1.4%	+3.7%
Drawdown
Measure	AGG	BIL
Below its high	3.4%, high on Aug 4, 2020
Benchmark
Measure	AGG	BIL
What it tracks	Bloomberg U.S. Aggregate Bond Index	Bloomberg 1-3 Month U.S. Treasury Bill Index
Cost and size
Measure	AGG	BIL
Expense ratio	0.03%	0.14%
Net assets, as of Oct 27, 2026	$139.4bn	$48.7bn
Holdings
Measure	AGG	BIL
Holdings in common	0%

Holdings in common uses holdings dated Jun 30, 2026 and Aug 31, 2026. Method

What they share

By the books each fund has filed, AGG and BIL hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Aug 31, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first AGG BIL

Only in one fund ↓

Only in AGG

U.S. Treasury Notes, due Feb 15, 2035 0.41%

U.S. Treasury Notes, due Nov 15, 2034 0.40%

U.S. Treasury Notes, due Feb 28, 2030 0.40%

U.S. Treasury Notes, due May 15, 2034 0.40%

U.S. Treasury Notes, due Aug 15, 2034 0.39%

U.S. Treasury Notes, due Feb 15, 2036 0.39%

U.S. Treasury Notes, due May 15, 2035 0.39%

U.S. Treasury Notes, due Nov 15, 2033 0.38%

Only in BIL

U.S. Treasury Bills, due Aug 6, 2026 12.04%

U.S. Treasury Bills, due Sep 3, 2026 9.04%

U.S. Treasury Bills, due Aug 27, 2026 7.22%

U.S. Treasury Bills, due Sep 17, 2026 7.03%

U.S. Treasury Bills, due Sep 10, 2026 6.98%

U.S. Treasury Bills, due Sep 24, 2026 6.97%

U.S. Treasury Bills, due Aug 13, 2026 6.85%

U.S. Treasury Bills, due Aug 20, 2026 6.49%

Check overlap with more funds →

Side by side

AGG iShares Core U.S. Aggregate Bond ETF BIL SPDR Bloomberg 1-3 Month T-Bill ETF

Where it sits Bond ETF Bond ETF

Issuer iShares State Street

What it is Tracks an index of US aggregate bonds Tracks an index of 1-3 month T-bills

Total return, 1 year −1.4% +3.7%

Its benchmark over the same days −1.3% (SCHZ) not measured

Gap to its benchmark −0.1 pts vs SCHZ not measured

Expense ratio 0.03% 0.14%

Holdings 13469 26

Net assets, as of Oct 27, 2026 $139.4bn $48.7bn

AGG and BIL on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

AGG

AGG tracks an index of US aggregate bonds. Over the year to Oct 28, 2026 it returned −1.4% with distributions reinvested, against −1.3% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.4% below its high of Aug 4, 2020 on Oct 28, 2026.

BIL

BIL tracks an index of 1-3 month T-bills. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.14% a year.

Questions people ask

Which returned more over the last year, AGG or BIL?: In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and BIL +3.7%.
Which is cheaper, AGG or BIL?: AGG is cheaper, by 0.11 percentage points a year. That is about $11 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs SHV AGG vs SGOV AGG vs PULS AGG vs USFR BIL vs BND BIL vs SGOV BIL vs BNDX BIL vs VCIT

Where to next

AGG on its own →BIL on its own →Hold both: look the portfolio through →Rankings →AGG dividend history →AGG holdings →BIL dividend history →BIL holdings →Standards and sources →

Sources and dates

AGG filings on SEC EDGAR ↗

AGG prospectus with the expense ratio (SEC) ↗

iShares page for AGG ↗

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, AGG against BIL, data as of Oct 28, 2026. https://etfiq.com/compare/any/agg-vs-bil

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.