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Data as of Oct 28, 2026.

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BIL vs SPYG: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to SPYG's +12.2%; 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 $55.9bn for State Street SPDR Portfolio S&P 500 Growth ETF.

BIL on its own →SPYG on its own →
At a glance
+3.7%
BIL total return, 1 year
+12.2%
SPYG total return, 1 year
0.14%
BIL expense ratio
0.04%
SPYG expense ratio

Pair scorecard

SPYG costs 0.10 points a year less; their one-year returns differ by 8.5 points; SPYG is 1.1 times larger.

BIL vs SPYG: Differences, Returns & Fees
MeasureBILSPYG
Return
Total return, 1 year+3.7%+12.2%
Drawdown
Below its high4.1%, high on Oct 6, 2026
Benchmark
What it tracksBloomberg 1-3 Month U.S. Treasury Bill IndexS&P 500 Growth Index
Cost and size
Expense ratio0.14%0.04%
Net assets, as of Oct 27, 2026$48.7bn$55.9bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund59.6%

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

What they share

0%

By the books each fund has filed, BIL and SPYG hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL SPYG
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 SPYG
NVIDIA CORP 14.61%
MICROSOFT CORP 10.93%
APPLE INC 7.01%
ALPHABET INC CL A 5.21%
BROADCOM INC 4.51%
ALPHABET INC CL C 4.17%
META PLATFORMS INC CLASS A 3.79%
AMAZON.COM INC 3.65%
Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF SPYG State Street SPDR Portfolio S&P 500 Growth 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 500 Growth
Total return, 1 year +3.7% +12.2%
Its benchmark over the same days not measured +12.1% (IVW)
Gap to its benchmark not measured +0.1 pts vs IVW
Expense ratio 0.14% 0.04%
Holdings 26 152
Net assets, as of Oct 27, 2026 $48.7bn $55.9bn

BIL and SPYG on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

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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.

SPYG

SPYG tracks the S&P 500 Growth. Over the year to Oct 28, 2026 it returned +12.2% with distributions reinvested, against +12.1% for its benchmark, the S&P 500 Growth Index. The prospectus expense ratio is 0.04% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 152 positions, with the top ten at 59.6%. It sat 4.1% below its high of Oct 6, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or SPYG?
In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and SPYG +12.2%.
Which is cheaper, BIL or SPYG?
SPYG is cheaper, by 0.10 percentage points a year. That is about $10 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIL vs MAGSBIL vs GARPBIL vs XOVRBIL vs SCHGSHV vs SPYGPULS vs SPYGSPYG vs USFRMINT vs SPYG
Where to next
BIL on its own →SPYG on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →SPYG dividend history →SPYG holdings →Standards and sources →
Sources and dates
BIL and SPYG filings on SEC EDGAR ↗
BIL and SPYG 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 SPYG, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-spyg

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