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BIL vs GSST: Differences, Returns & Fees

BIL's duration was 0.2 years on Jun 30, 2026 and GSST's 0.5 on May 31, 2026; BIL charges 0.14% to GSST's 0.16%. Net assets: $51.1bn on Oct 20, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $1.7bn on Oct 19, 2026 for Goldman Sachs Ultra Short Bond ETF.

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Answers cite the figures on this page.

BIL costs 0.02 points a year less; their one-year returns differ by 0.2 points; BIL is far larger, $51.2bn against $1.7bn.

BIL vs GSST: Differences, Returns & Fees
BILGSST
Expense ratio0.14%0.16%
Net assets, as of Oct 19, 2026$51.2bn$1.7bn
Total return, 1 year+3.7%+3.9%
What it tracks1-3 month T-billsNo index, actively managed
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
+3.9%
GSST total return, 1 year
0.14%
BIL expense ratio
0.16%
GSST expense ratio

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Client brief · page 1 of 2Report BR-CE6B8F7CA1

BIL and GSST 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 GSST follows No index, actively managed.
  2. Number of holdings. BIL holds 18 positions and GSST holds 357.
  3. Size. BIL has $51.2bn in net assets and GSST $1.7bn (net assets, as of Oct 19, 2026); BIL is 30.1 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
GSST
Goldman Sachs Ultra Short Bond ETF
Where it sits Bond ETF Bond ETF
Issuer State Street Goldman Sachs
What it is Tracks an index of 1-3 month T-bills Actively managed
Total return, 1 year +3.7% +3.9%
Expense ratio 0.14% 0.16%
Holdings 18 357
Net assets, BIL as of Oct 20, 2026 and GSST as of Oct 19, 2026 $51.1bn $1.7bn

BIL and GSST 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 GSST

GSST is actively managed and tracks no index. Over the year to Oct 20, 2026 it returned +3.9% with distributions reinvested. The prospectus expense ratio is 0.16% a year.

Questions people ask

Which returned more over the last year, BIL or GSST?
In the year to Oct 20, 2026, with distributions reinvested, BIL returned +3.7% and GSST +3.9%.
Which is cheaper, BIL or GSST?
BIL is cheaper, by 0.02 percentage points a year. That is about $2 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIL vs IBTGBIL vs YEARBIL vs VRIGBIL vs XHLFGSST vs JPSTGSST vs SHVGSST vs SGOVGSST vs PULS
BIL on its own →GSST on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →GSST dividend history →GSST holdings →Standards and sources →
Where these figures came from
BIL filings on SEC EDGAR ↗BIL prospectus with the expense ratio (SEC) ↗State Street website ↗GSST filings on SEC EDGAR ↗GSST prospectus with the expense ratio (SEC) ↗Goldman Sachs 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 GSST, data as of Oct 20, 2026. https://etfiq.com/compare/any/bil-vs-gsst

Open data

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