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BIL vs FLDR: Differences, Returns & Fees

BIL's duration was 0.2 years on Jun 30, 2026 and FLDR's 0.8 on May 31, 2026; BIL charges 0.14% to FLDR's 0.15%. Net assets: $51.1bn on Oct 20, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $2.3bn on Sep 30, 2026 for Fidelity Low Duration Bond Factor ETF.

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Answers cite the figures on this page.

BIL costs 0.01 points a year less; their one-year returns differ by 0.5 points; BIL is far larger, $49.8bn against $2.3bn.

BIL vs FLDR: Differences, Returns & Fees
BILFLDR
Expense ratio0.14%0.15%
Net assets, as of Sep 30, 2026$49.8bn$2.3bn
Total return, 1 year+3.7%+3.2%
What it tracks1-3 month T-billsFidelity Low Duration Investment Grade Factor Index
Holdings in commonreport dates differ

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

+3.7%
BIL total return, 1 year
+3.2%
FLDR total return, 1 year
0.14%
BIL expense ratio
0.15%
FLDR expense ratio

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Client brief · page 1 of 2Report BR-B861B06803

BIL and FLDR are built for the same job. How do they differ in cost, holdings and results?

  1. What each follows. BIL follows 1-3 month T-bills and FLDR follows Fidelity Low Duration Investment Grade Factor Index.
  2. Number of holdings. BIL holds 18 positions and FLDR holds 352.
  3. Size. BIL has $49.8bn in net assets and FLDR $2.3bn (net assets, as of Sep 30, 2026); BIL is 21.7 times larger.

Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.

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On the same fields

BIL
SPDR Bloomberg 1-3 Month T-Bill ETF
FLDR
Fidelity Low Duration Bond Factor ETF
Where it sits Bond ETF Bond ETF
Issuer State Street Fidelity
What it is Tracks an index of 1-3 month T-bills Tracks an index
Total return, 1 year +3.7% +3.2%
Expense ratio 0.14% 0.15%
Holdings 18 352
Net assets, BIL as of Oct 20, 2026 and FLDR as of Sep 30, 2026 $51.1bn $2.3bn

BIL and FLDR on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.

About BIL

BIL tracks an index of 1-3 month T-bills. Over the year to Oct 20, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.14% a year.

About FLDR

FLDR tracks an index. Over the year to Oct 20, 2026 it returned +3.2% with distributions reinvested. The prospectus expense ratio is 0.15% a year.

Questions people ask

Which returned more over the last year, BIL or FLDR?
In the year to Oct 20, 2026, with distributions reinvested, BIL returned +3.7% and FLDR +3.2%.
Which is cheaper, BIL or FLDR?
BIL is cheaper, by 0.01 percentage points a year. That is about $1 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIL vs SHVBIL vs CLIPBIL vs IBTHBIL vs DUSBFLDR vs JPSTFLDR vs SHVFLDR vs SGOVFLDR vs PULS
BIL on its own →FLDR on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →FLDR dividend history →FLDR holdings →Standards and sources →
Where these figures came from
BIL filings on SEC EDGAR ↗BIL prospectus with the expense ratio (SEC) ↗State Street website ↗FLDR filings on SEC EDGAR ↗FLDR prospectus with the expense ratio (SEC) ↗Fidelity website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

ETFIQ, BIL against FLDR, data as of Oct 20, 2026. https://etfiq.com/compare/any/bil-vs-fldr

Open data

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