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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SCHX +13.1%.

Which is cheaper, BIL or SCHX?

SCHX 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 SCHX: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to SCHX's +13.1%; 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 $74.2bn on Aug 31, 2026 for Schwab U.S. Large-Cap ETF.

BIL on its own →SCHX on its own →

At a glance

+3.7%

BIL total return, 1 year

+13.1%

SCHX total return, 1 year

0.14%

BIL expense ratio

0.03%

SCHX expense ratio

Pair scorecard

SCHX costs 0.11 points a year less; their one-year returns differ by 9.4 points.

BIL vs SCHX: Differences, Returns & Fees
Measure	BIL	SCHX
Return
Measure	BIL	SCHX
Total return, 1 year	+3.7%	+13.1%
Benchmark
Measure	BIL	SCHX
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	Dow Jones U.S. Large-Cap Total Stock Market Index
Cost and size
Measure	BIL	SCHX
Expense ratio	0.14%	0.03%
Net assets, BIL as of Oct 27, 2026 and SCHX as of Aug 31, 2026	$48.7bn	$74.2bn
Holdings
Measure	BIL	SCHX
Holdings in common	0%
In the S&P 500, by weight		94%
Top ten holdings, share of the fund		36.0%

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 SCHX hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL SCHX

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 SCHX

NVIDIA Corp 7.69%

Apple Inc 6.69%

Microsoft Corp 5.42%

Amazon.com Inc 3.66%

Alphabet Inc 2.86%

Broadcom Inc 2.52%

Alphabet Inc 2.28%

Meta Platforms Inc 1.81%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF SCHX Schwab U.S. Large-Cap ETF

Where it sits Bond ETF Stock ETF

Issuer State Street Schwab

What it is Tracks an index of 1-3 month T-bills Tracks an index of U.S. Large-Cap

Total return, 1 year +3.7% +13.1%

Its benchmark over the same days not measured +13.7% (IVV)

Gap to its benchmark not measured −0.6 pts vs IVV

Expense ratio 0.14% 0.03%

Holdings 26 747

Net assets, BIL as of Oct 27, 2026 and SCHX as of Aug 31, 2026 $48.7bn $74.2bn

BIL and SCHX 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.

SCHX

SCHX tracks an index of U.S. Large-Cap. Over the year to Oct 28, 2026 it returned +13.1% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 94% of the fund by weight is stocks the S&P 500 also holds, across 747 positions, with the top ten at 36.0%.

Questions people ask

Which returned more over the last year, BIL or SCHX?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SCHX +13.1%.
Which is cheaper, BIL or SCHX?: SCHX 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 ITOT BIL vs VIG BIL vs SCHB BIL vs SPYM SCHX vs SHV PULS vs SCHX SCHX vs USFR MINT vs SCHX

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

SCHX filings on SEC EDGAR ↗

SCHX prospectus with the expense ratio (SEC) ↗

Schwab website ↗

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

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