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Data as of Oct 28, 2026.

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BIL vs DFUS: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to DFUS's +13.8%; 0% of their weight is in the same names.

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Net assets: $48.7bn on Oct 27, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $20.9bn on Jul 31, 2026 for Dimensional U.S. Equity Market ETF.

BIL on its own →DFUS on its own →
At a glance
+3.7%
BIL total return, 1 year
+13.8%
DFUS total return, 1 year
0.14%
BIL expense ratio
0.09%
DFUS expense ratio

Pair scorecard

DFUS costs 0.05 points a year less; their one-year returns differ by 10.1 points.

BIL vs DFUS: Differences, Returns & Fees
MeasureBILDFUS
Return
Total return, 1 year+3.7%+13.8%
Benchmark
What it tracksBloomberg 1-3 Month U.S. Treasury Bill IndexNo index, actively managed
Cost and size
Expense ratio0.14%0.09%
Net assets, BIL as of Oct 27, 2026 and DFUS as of Jul 31, 2026$48.7bn$20.9bn
Holdings
Holdings in common0%
In the S&P 500, by weight89%
Top ten holdings, share of the fund34.6%

Holdings in common uses holdings dated Jul 31, 2026 and Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, BIL and DFUS hold 0% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL DFUS
Only in one fund ↓
Only in BIL
TREASURY BILL 12/26 0.00000 7.94%
TREASURY BILL 12/26 0.00000 6.66%
TREASURY BILL 12/26 0.00000 6.46%
TREASURY BILL 12/26 0.00000 6.40%
TREASURY BILL 12/26 0.00000 6.39%
TREASURY BILL 11/26 0.00000 6.26%
TREASURY BILL 12/26 0.00000 6.21%
TREASURY BILL 11/26 0.00000 4.85%
Only in DFUS
NVIDIA CORPORATION 6.75%
APPLE INC. 6.45%
MICROSOFT CORPORATION 4.99%
AMAZON.COM, INC. 3.83%
ALPHABET INC. 3.00%
BROADCOM INC. 2.63%
ALPHABET INC. 2.48%
META PLATFORMS, INC. 1.77%
Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF DFUS Dimensional U.S. Equity Market ETF
Where it sits Bond ETF Stock ETF
Issuer State Street Dimensional
What it is Tracks an index of 1-3 month T-bills Actively managed
Total return, 1 year +3.7% +13.8%
Its benchmark over the same days not measured +13.3% (IWV)
Gap to its benchmark not measured +0.5 pts vs IWV
Expense ratio 0.14% 0.09%
Holdings 26 2236
Net assets, BIL as of Oct 27, 2026 and DFUS as of Jul 31, 2026 $48.7bn $20.9bn

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

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About each fund
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.

DFUS

Over the year to Oct 28, 2026 it returned +13.8% with distributions reinvested, against +13.3% for its benchmark, the Russell 3000 Index.

DFUS is actively managed and tracks no index. The prospectus expense ratio is 0.09% a year. By its holdings filed for Jul 31, 2026, 89% of the fund by weight is stocks the S&P 500 also holds, across 2,236 positions, with the top ten at 34.6%.

Questions people ask

Which returned more over the last year, BIL or DFUS?
In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and DFUS +13.8%.
Which is cheaper, BIL or DFUS?
DFUS is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIL vs CGGRBIL vs DYNFBIL vs SCHBBIL vs DIADFUS vs SHVDFUS vs PULSDFUS vs USFRDFUS vs MINT
Where to next
BIL on its own →DFUS on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →DFUS dividend history →DFUS holdings →Standards and sources →
Sources and dates
BIL filings on SEC EDGAR ↗
BIL prospectus with the expense ratio (SEC) ↗
State Street website ↗
DFUS filings on SEC EDGAR ↗
DFUS prospectus with the expense ratio (SEC) ↗
Dimensional 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, BIL against DFUS, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-dfus

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