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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and ITOT +13.4%.

Which is cheaper, BIL or ITOT?

ITOT 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.

Data as of Oct 28, 2026.

Across categories

BIL vs ITOT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to ITOT's +13.4%; 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 $97.1bn for iShares Core S&P Total U.S. Stock Market ETF.

BIL on its own →ITOT on its own →

At a glance

+3.7%

BIL total return, 1 year

+13.4%

ITOT total return, 1 year

0.14%

BIL expense ratio

0.03%

ITOT expense ratio

Pair scorecard

ITOT costs 0.11 points a year less; their one-year returns differ by 9.7 points; ITOT is 2.0 times larger.

BIL vs ITOT: Differences, Returns & Fees
Measure	BIL	ITOT
Return
Measure	BIL	ITOT
Total return, 1 year	+3.7%	+13.4%
Benchmark
Measure	BIL	ITOT
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	S&P Total Market Index (TMI)
Cost and size
Measure	BIL	ITOT
Expense ratio	0.14%	0.03%
Net assets, as of Oct 27, 2026	$48.7bn	$97.1bn
Holdings
Measure	BIL	ITOT
Holdings in common	0%
In the S&P 500, by weight		88%
Top ten holdings, share of the fund		33.9%

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

What they share

By the books each fund has filed, BIL and ITOT 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 ITOT

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 ITOT

NVIDIA 7.06%

APPLE 6.78%

MICROSOFT 5.28%

AMAZON.COM INC 3.32%

ALPHABET CLASS A 2.52%

BROADCOM INC 2.18%

ALPHABET CLASS C 2.02%

META PLATFORMS CLASS A 1.83%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF ITOT iShares Core S&P Total U.S. Stock Market 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 S&P Total U.S. Stock Market

Total return, 1 year +3.7% +13.4%

Expense ratio 0.14% 0.03%

Holdings 26 2443

Net assets, as of Oct 27, 2026 $48.7bn $97.1bn

BIL and ITOT 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.

ITOT

ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.

Questions people ask

Which returned more over the last year, BIL or ITOT?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and ITOT +13.4%.
Which is cheaper, BIL or ITOT?: ITOT 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 VIG BIL vs SCHX BIL vs SPYM BIL vs IWB ITOT vs SHV ITOT vs PULS ITOT vs USFR ITOT vs MINT

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

ITOT filings on SEC EDGAR ↗

ITOT prospectus with the expense ratio (SEC) ↗

iShares page for ITOT ↗

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

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