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BIL vs FLOT: Differences, Returns & Fees

BIL's duration was 0.2 years on Jun 30, 2026 and FLOT's 0.0 on Jul 31, 2026; BIL charges 0.14% to FLOT's 0.15%. Net assets on Oct 20, 2026: $51.1bn for SPDR Bloomberg 1-3 Month T-Bill ETF and $11.5bn for iShares Floating Rate Bond 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 0.6 points; BIL is 4.5 times larger.

BIL vs FLOT: Differences, Returns & Fees
BILFLOT
Expense ratio0.14%0.15%
Net assets$51.1bn$11.5bn
Total return, 1 year+3.7%+4.3%
What it tracks1-3 month T-billsnot read by ETFIQ
Holdings in commonreport dates differ

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

+3.7%
BIL total return, 1 year
+4.3%
FLOT total return, 1 year
0.14%
BIL expense ratio
0.15%
FLOT expense ratio

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Client brief · page 1 of 2Report BR-D7A838A415

BIL and FLOT 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 FLOT follows not read by ETFIQ.
  2. Number of holdings. BIL holds 18 positions and FLOT holds 557.
  3. Size. BIL has $51.1bn in net assets and FLOT $11.5bn (Net assets); BIL is 4.4 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
FLOT
iShares Floating Rate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer State Street iShares
What it is Tracks an index of 1-3 month T-bills Tracks an index
Total return, 1 year +3.7% +4.3%
Expense ratio 0.14% 0.15%
Holdings 18 557
Net assets $51.1bn $11.5bn

BIL and FLOT 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 FLOT

FLOT tracks an index. Over the year to Oct 20, 2026 it returned +4.3% with distributions reinvested. The prospectus expense ratio is 0.15% a year.

Questions people ask

Which returned more over the last year, BIL or FLOT?
In the year to Oct 20, 2026, with distributions reinvested, BIL returned +3.7% and FLOT +4.3%.
Which is cheaper, BIL or FLOT?
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 VBILBIL vs VUSBBIL vs ICSHBIL vs GBILFLOT vs JPSTFLOT vs SHVFLOT vs SGOVFLOT vs PULS
BIL on its own →FLOT on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →FLOT dividend history →FLOT holdings →Standards and sources →
Where these figures came from
BIL filings on SEC EDGAR ↗BIL prospectus with the expense ratio (SEC) ↗State Street website ↗FLOT filings on SEC EDGAR ↗FLOT prospectus with the expense ratio (SEC) ↗iShares page for FLOT ↗

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 FLOT, data as of Oct 20, 2026. https://etfiq.com/compare/any/bil-vs-flot

Open data

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