Data as of Oct 28, 2026.
BIL vs SCHF: Differences, Returns & Fees
Over the year to Oct 28, 2026, BIL returned +3.7% to SCHF's +17.6%; 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 $69.7bn on Aug 31, 2026 for Schwab International Equity ETF.
Pair scorecard
SCHF costs 0.11 points a year less; their one-year returns differ by 13.9 points.
| Measure | BIL | SCHF |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +17.6% |
| Drawdown | ||
| Below its high | 4.4%, high on Aug 25, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg 1-3 Month U.S. Treasury Bill Index | FTSE Developed ex US Index |
| Cost and size | ||
| Expense ratio | 0.14% | 0.03% |
| Net assets, BIL as of Oct 27, 2026 and SCHF as of Aug 31, 2026 | $48.7bn | $69.7bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 0% | |
| Top ten holdings, share of the fund | 13.8% | |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, BIL and SCHF hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
BIL and SCHF 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.
SCHF
SCHF tracks an index of International Equity. Over the year to Oct 28, 2026 it returned +17.6% with distributions reinvested, against +12.1% for its benchmark, the MSCI EAFE Index. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 1,475 positions, with the top ten at 13.8%. It sat 4.4% below its high of Aug 25, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, BIL or SCHF?
- In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SCHF +17.6%.
- Which is cheaper, BIL or SCHF?
- SCHF 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.
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.
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ETFIQ, BIL against SCHF, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-schf
ETFIQ. (Oct 28, 2026). BIL against SCHF. Retrieved from https://etfiq.com/compare/any/bil-vs-schf
[BIL against SCHF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bil-vs-schf)
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