Data as of Oct 28, 2026.
BIL vs VCIT: Differences, Returns & Fees
BIL's duration was 0.2 years on Jun 30, 2026 and VCIT's 6.0 on May 31, 2026; VCIT charges 0.03% to BIL's 0.14%.
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Net assets: $48.7bn on Oct 27, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $66.6bn on Sep 30, 2026 for Vanguard Intermediate-Term Corporate Bond ETF.
Pair scorecard
VCIT costs 0.11 points a year less; their one-year returns differ by 5.5 points; VCIT is 1.3 times larger.
| Measure | BIL | VCIT |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | −1.8% |
| Drawdown | ||
| Below its high | 3.2%, high on Feb 27, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg 1-3 Month U.S. Treasury Bill Index | Bloomberg U.S. 5-10 Year Corporate Bond Index |
| Cost and size | ||
| Expense ratio | 0.14% | 0.03% |
| Net assets, as of Sep 30, 2026 | $49.8bn | $66.6bn |
| Holdings | ||
| Holdings in common | 0% | |
Holdings in common uses holdings dated May 31, 2026 and Jun 30, 2026. Method
Risk and return
Dec 4, 2009 to Oct 23, 2026 · 881 weekly returnsVCIT returned more: +96.4% to +25.4%. BIL swung less: 0.3% to 6.4%. BIL fell less at its worst: −0.4% to −20.0%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | BIL | VCIT | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +25.4% | +96.4% | VCIT | Price change plus distributions, reinvested. |
| Annualized | +1.3% | +4.1% | VCIT | Total return as a yearly rate. |
| Price return | −0.1% | +5.1% | VCIT | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 0.3% | 6.4% | BIL | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 0.2% | 4.7% | BIL | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −0.4% | −20.0% | BIL | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | −0.66 | 0.42 | VCIT | Return above Treasury bills per unit of volatility. |
| Sortino | −0.97 | 0.57 | VCIT | Return above Treasury bills per unit of downside deviation. |
| Calmar | 3.12 | 0.20 | BIL | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 881 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, BIL and VCIT hold 0% of their money in the same securities at the same weight. Holdings dated May 31, 2026 and Jun 30, 2026.
half
0% in common
Only in one fund ↓
Side by side
BIL and VCIT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
BIL and VCIT do different jobs. What does each one do in a portfolio?
- What each follows. BIL follows Bloomberg 1-3 Month U.S. Treasury Bill Index and VCIT follows Bloomberg U.S. 5-10 Year Corporate Bond Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Jun 30, 2026 and May 31, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 BIL returned +3.7% and VCIT −1.8% with distributions reinvested, a gap of 5.5 points.
Data as of Oct 28, 2026.
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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.
VCIT
VCIT tracks an index of Intermediate-Term Corporate Bond. Over the year to Oct 28, 2026 it returned −1.8% with distributions reinvested, against −1.8% for its benchmark, the Bloomberg U.S. 5-10 Year Corporate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.2% below its high of Feb 27, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, BIL or VCIT?
- In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VCIT −1.8%.
- Which is cheaper, BIL or VCIT?
- VCIT 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.
Cite this pageCitation, APA and Markdown
ETFIQ, BIL against VCIT, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-vcit
ETFIQ. (Oct 28, 2026). BIL against VCIT. Retrieved from https://etfiq.com/compare/any/bil-vs-vcit
[BIL against VCIT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bil-vs-vcit)
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