Data as of Oct 28, 2026.
BIL vs MOAT: Differences, Returns & Fees
Over the year to Oct 28, 2026, BIL returned +3.7% to MOAT's +10.3%; 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 $11.6bn for VanEck Morningstar Wide Moat ETF.
Pair scorecard
BIL costs 0.32 points a year less; their one-year returns differ by 6.6 points; BIL is 4.2 times larger.
| Measure | BIL | MOAT |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +10.3% |
| Drawdown | ||
| Below its high | 3.7%, high on Aug 27, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg 1-3 Month U.S. Treasury Bill Index | Morningstar Wide Moat Focus Index |
| Cost and size | ||
| Expense ratio | 0.14% | 0.46% |
| Net assets, as of Oct 27, 2026 | $48.7bn | $11.6bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 92% | |
| Top ten holdings, share of the fund | 26.5% | |
Holdings in common uses holdings dated Oct 27, 2026. Method
What they share
By the books each fund has filed, BIL and MOAT hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
BIL and MOAT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
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.
MOAT
MOAT tracks the Morningstar Wide Moat. Over the year to Oct 28, 2026 it returned +10.3% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.46% a year. By its holdings published by its issuer for Oct 27, 2026, 92% of the fund by weight is stocks the S&P 500 also holds, across 54 positions, with the top ten at 26.5%. It sat 3.7% below its high of Aug 27, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, BIL or MOAT?
- In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and MOAT +10.3%.
- Which is cheaper, BIL or MOAT?
- BIL is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
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 MOAT, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-moat
ETFIQ. (Oct 28, 2026). BIL against MOAT. Retrieved from https://etfiq.com/compare/any/bil-vs-moat
[BIL against MOAT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bil-vs-moat)
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