Data as of Oct 28, 2026.
BIL vs SCHH: Differences, Returns & Fees
Over the year to Oct 28, 2026, BIL returned +3.7% to SCHH's +8.7%; 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 $11.2bn on Aug 31, 2026 for Schwab U.S. REIT ETF.
Pair scorecard
SCHH costs 0.07 points a year less; their one-year returns differ by 5.0 points.
| Measure | BIL | SCHH |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +8.7% |
| Drawdown | ||
| Below its high | 8.5%, high on Jul 24, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg 1-3 Month U.S. Treasury Bill Index | US REIT |
| Cost and size | ||
| Expense ratio | 0.14% | 0.07% |
| Net assets, BIL as of Oct 27, 2026 and SCHH as of Aug 31, 2026 | $48.7bn | $11.2bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 74% | |
| Top ten holdings, share of the fund | 51.6% | |
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 SCHH 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 SCHH 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.
SCHH
SCHH tracks an index of US REIT. Over the year to Oct 28, 2026 it returned +8.7% with distributions reinvested. The prospectus expense ratio is 0.07% a year. By its holdings filed for Aug 31, 2026, 74% of the fund by weight is stocks the S&P 500 also holds, across 117 positions, with the top ten at 51.6%. It sat 8.5% below its high of Jul 24, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, BIL or SCHH?
- In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SCHH +8.7%.
- Which is cheaper, BIL or SCHH?
- SCHH is cheaper, by 0.07 percentage points a year. That is about $7 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 SCHH, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-schh
ETFIQ. (Oct 28, 2026). BIL against SCHH. Retrieved from https://etfiq.com/compare/any/bil-vs-schh
[BIL against SCHH (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bil-vs-schh)
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