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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SDY +16.5%.

Which is cheaper, BIL or SDY?

BIL is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

BIL vs SDY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to SDY's +16.5%; 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 $21.9bn for State Street SPDR S&P Dividend ETF.

BIL on its own →SDY on its own →

At a glance

+3.7%

BIL total return, 1 year

+16.5%

SDY total return, 1 year

0.14%

BIL expense ratio

0.35%

SDY expense ratio

Pair scorecard

BIL costs 0.21 points a year less; their one-year returns differ by 12.8 points; BIL is 2.2 times larger.

BIL vs SDY: Differences, Returns & Fees
Measure	BIL	SDY
Return
Measure	BIL	SDY
Total return, 1 year	+3.7%	+16.5%
Benchmark
Measure	BIL	SDY
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	S&P High Yield Dividend Aristocrats Index
Cost and size
Measure	BIL	SDY
Expense ratio	0.14%	0.35%
Net assets, as of Oct 27, 2026	$48.7bn	$21.9bn
Holdings
Measure	BIL	SDY
Holdings in common	0%
In the S&P 500, by weight		84%
Top ten holdings, share of the fund		20.4%

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

What they share

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

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 SDY

ACCENTURE PLC CL A 3.73%

VERIZON COMMUNICATIONS INC 2.81%

CHEVRON CORP 2.15%

REALTY INCOME CORP 1.94%

PEPSICO INC 1.82%

MEDTRONIC PLC 1.79%

TARGET CORP 1.59%

AUTOMATIC DATA PROCESSING 1.55%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF SDY State Street SPDR S&P Dividend ETF

Where it sits Bond ETF Stock ETF

Issuer State Street State Street

What it is Tracks an index of 1-3 month T-bills Tracks the S&P Dividend

Total return, 1 year +3.7% +16.5%

Expense ratio 0.14% 0.35%

Holdings 26 156

Net assets, as of Oct 27, 2026 $48.7bn $21.9bn

BIL and SDY 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.

SDY

SDY tracks the S&P Dividend. Over the year to Oct 28, 2026 it returned +16.5% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 84% of the fund by weight is stocks the S&P 500 also holds, across 156 positions, with the top ten at 20.4%.

Questions people ask

Which returned more over the last year, BIL or SDY?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SDY +16.5%.
Which is cheaper, BIL or SDY?: BIL is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

BIL vs NOBL BIL vs RSP BIL vs VOE BIL vs DVY SDY vs SHV PULS vs SDY SDY vs USFR MINT vs SDY

Where to next

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

Sources and dates

BIL and SDY filings on SEC EDGAR ↗

BIL and SDY prospectus with the expense ratio (SEC) ↗

State Street 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 SDY, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-sdy

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