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Data as of Oct 28, 2026.

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BIL vs FNDX: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to FNDX's +23.9%; 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 $27.6bn on Aug 31, 2026 for Schwab Fundamental U.S. Large Company ETF.

BIL on its own →FNDX on its own →
At a glance
+3.7%
BIL total return, 1 year
+23.9%
FNDX total return, 1 year
0.14%
BIL expense ratio
0.25%
FNDX expense ratio

Pair scorecard

BIL costs 0.11 points a year less; their one-year returns differ by 20.2 points.

BIL vs FNDX: Differences, Returns & Fees
MeasureBILFNDX
Return
Total return, 1 year+3.7%+23.9%
Benchmark
What it tracksBloomberg 1-3 Month U.S. Treasury Bill IndexFundamental U.S. Large Company
Cost and size
Expense ratio0.14%0.25%
Net assets, BIL as of Oct 27, 2026 and FNDX as of Aug 31, 2026$48.7bn$27.6bn
Holdings
Holdings in common0%
In the S&P 500, by weight88%
Top ten holdings, share of the fund21.0%

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

What they share

0%

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

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL FNDX
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 FNDX
Apple Inc 4.46%
Microsoft Corp 2.82%
ExxonMobil Holdings Corp 2.42%
Amazon.com Inc 1.80%
Alphabet Inc 1.78%
JPMorgan Chase & Co 1.63%
Chevron Corp 1.61%
Berkshire Hathaway Inc 1.60%
Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF FNDX Schwab Fundamental U.S. Large Company ETF
Where it sits Bond ETF Stock ETF
Issuer State Street Schwab
What it is Tracks an index of 1-3 month T-bills Tracks an index of Fundamental U.S. Large Company
Total return, 1 year +3.7% +23.9%
Its benchmark over the same days not measured +13.1% (IWB)
Gap to its benchmark not measured +10.8 pts vs IWB
Expense ratio 0.14% 0.25%
Holdings 26 731
Net assets, BIL as of Oct 27, 2026 and FNDX as of Aug 31, 2026 $48.7bn $27.6bn

BIL and FNDX 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.

FNDX

Over the year to Oct 28, 2026 it returned +23.9% with distributions reinvested, against +13.1% for its benchmark, the Russell 1000 Index.

FNDX tracks an index of Fundamental U.S. Large Company. The prospectus expense ratio is 0.25% a year. By its holdings filed for Aug 31, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 731 positions, with the top ten at 21.0%.

Questions people ask

Which returned more over the last year, BIL or FNDX?
In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and FNDX +23.9%.
Which is cheaper, BIL or FNDX?
BIL 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
BIL vs CGDVBIL vs DGROBIL vs HDVBIL vs FDVVFNDX vs SHVFNDX vs PULSFNDX vs USFRFNDX vs MINT
Where to next
BIL on its own →FNDX on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →FNDX dividend history →FNDX holdings →Standards and sources →
Sources and dates
BIL filings on SEC EDGAR ↗
BIL prospectus with the expense ratio (SEC) ↗
State Street website ↗
FNDX filings on SEC EDGAR ↗
FNDX prospectus with the expense ratio (SEC) ↗
Schwab 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 FNDX, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-fndx

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