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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and EZU +7.1%.

Which is cheaper, BIL or EZU?

BIL is cheaper, by 0.36 percentage points a year. That is about $36 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

BIL vs EZU: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to EZU's +7.1%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $48.7bn for SPDR Bloomberg 1-3 Month T-Bill ETF and $9.2bn for iShares MSCI Eurozone ETF.

BIL on its own →EZU on its own →

At a glance

+3.7%

BIL total return, 1 year

+7.1%

EZU total return, 1 year

0.14%

BIL expense ratio

0.50%

EZU expense ratio

Pair scorecard

BIL costs 0.36 points a year less; their one-year returns differ by 3.4 points; BIL is 5.3 times larger.

BIL vs EZU: Differences, Returns & Fees
Measure	BIL	EZU
Return
Measure	BIL	EZU
Total return, 1 year	+3.7%	+7.1%
Drawdown
Measure	BIL	EZU
Below its high		8.7%, high on Aug 14, 2026
Benchmark
Measure	BIL	EZU
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	MSCI EMU Index
Cost and size
Measure	BIL	EZU
Expense ratio	0.14%	0.50%
Net assets, as of Oct 27, 2026	$48.7bn	$9.2bn
Holdings
Measure	BIL	EZU
Holdings in common	0%
In the S&P 500, by weight		0%
Top ten holdings, share of the fund		30.5%

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

What they share

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

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL EZU

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 EZU

ASML HOLDING 8.79%

SAP 3.33%

SIEMENS N AG 2.97%

ALLIANZ 2.55%

BANCO SANTANDER 2.48%

TOTALENERGIES 2.48%

IBERDROLA 2.10%

SCHNEIDER ELECTRIC 2.05%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF EZU iShares MSCI Eurozone ETF

Where it sits Bond ETF Stock ETF

Issuer State Street iShares

What it is Tracks an index of 1-3 month T-bills Tracks the MSCI Eurozone

Total return, 1 year +3.7% +7.1%

Its benchmark over the same days not measured +14.3% (ACWX)

Gap to its benchmark not measured −7.2 pts vs ACWX

Expense ratio 0.14% 0.50%

Holdings 26 216

Net assets, as of Oct 27, 2026 $48.7bn $9.2bn

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

Alert

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.

EZU

EZU tracks the MSCI Eurozone. Over the year to Oct 28, 2026 it returned +7.1% with distributions reinvested, against +14.3% for its benchmark, the MSCI ACWI ex USA Index. The prospectus expense ratio is 0.50% a year. By its holdings published by its issuer for Oct 27, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 216 positions, with the top ten at 30.5%. It sat 8.7% below its high of Aug 14, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or EZU?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and EZU +7.1%.
Which is cheaper, BIL or EZU?: BIL is cheaper, by 0.36 percentage points a year. That is about $36 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

BIL vs VGK BIL vs URTH BIL vs EWZ BIL vs EWT EZU vs SHV EZU vs PULS EZU vs USFR EZU vs MINT

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

EZU filings on SEC EDGAR ↗

EZU prospectus with the expense ratio (SEC) ↗

iShares page for EZU ↗

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 EZU, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-ezu

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