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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VCLT −5.9%.

Which is cheaper, BIL or VCLT?

VCLT 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 VCLT: Differences, Returns & Fees

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BIL's duration was 0.2 years on Jun 30, 2026 and VCLT's 12.0 on May 31, 2026; VCLT 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 $7.5bn on Sep 30, 2026 for Vanguard Long-Term Corporate Bond ETF.

BIL on its own →VCLT on its own →

At a glance

+3.7%

BIL total return, 1 year

−5.9%

VCLT total return, 1 year

0.14%

BIL expense ratio

0.03%

VCLT expense ratio

Pair scorecard

VCLT costs 0.11 points a year less; their one-year returns differ by 9.6 points; BIL is 6.6 times larger.

BIL vs VCLT: Differences, Returns & Fees
Measure	BIL	VCLT
Return
Measure	BIL	VCLT
Total return, 1 year	+3.7%	−5.9%
Drawdown
Measure	BIL	VCLT
Below its high		17.8%, high on Sep 22, 2021
Benchmark
Measure	BIL	VCLT
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	Bloomberg U.S. 10+ Year Corporate Bond Index
Cost and size
Measure	BIL	VCLT
Expense ratio	0.14%	0.03%
Net assets, as of Sep 30, 2026	$49.8bn	$7.5bn
Holdings
Measure	BIL	VCLT
Holdings in common	0%

Holdings in common uses holdings dated May 31, 2026 and Jun 30, 2026. Method

What they share

By the books each fund has filed, BIL and VCLT hold 0% of their money in the same securities at the same weight. Holdings dated May 31, 2026 and Jun 30, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL VCLT

Only in one fund ↓

Only in BIL

U.S. Treasury Bills, due Aug 6, 2026 12.04%

U.S. Treasury Bills, due Sep 3, 2026 9.04%

U.S. Treasury Bills, due Aug 27, 2026 7.22%

U.S. Treasury Bills, due Sep 17, 2026 7.03%

U.S. Treasury Bills, due Sep 10, 2026 6.98%

U.S. Treasury Bills, due Sep 24, 2026 6.97%

U.S. Treasury Bills, due Aug 13, 2026 6.85%

U.S. Treasury Bills, due Aug 20, 2026 6.49%

Only in VCLT

ANHEUSER-BUSCH, due Feb 1, 2046 0.37%

CVS HEALTH CORP, due Mar 25, 2048 0.33%

META PLATFORMS, due Nov 15, 2055 0.28%

BOEING CO, due May 1, 2050 0.27%

PFIZER INVSTMNT, due May 19, 2053 0.27%

AMAZON.COM INC, due Mar 13, 2056 0.26%

ORACLE CORP, due Feb 4, 2056 0.24%

AT&T INC, due Sep 15, 2053 0.23%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF VCLT Vanguard Long-Term Corporate Bond ETF

Where it sits Bond ETF Bond ETF

Issuer State Street Vanguard

What it is Tracks an index of 1-3 month T-bills Tracks an index of Long-Term Corporate Bond

Total return, 1 year +3.7% −5.9%

Expense ratio 0.14% 0.03%

Holdings 26 2562

Net assets, BIL as of Oct 27, 2026 and VCLT as of Sep 30, 2026 $48.7bn $7.5bn

BIL and VCLT 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.

VCLT

VCLT tracks an index of Long-Term Corporate Bond. Over the year to Oct 28, 2026 it returned −5.9% with distributions reinvested. The prospectus expense ratio is 0.03% a year. It sat 17.8% below its high of Sep 22, 2021 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or VCLT?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VCLT −5.9%.
Which is cheaper, BIL or VCLT?: VCLT 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 BOND BIL vs JNK BIL vs SPSB BIL vs PFF SHV vs VCLT PULS vs VCLT USFR vs VCLT MINT vs VCLT

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

VCLT filings on SEC EDGAR ↗

VCLT prospectus with the expense ratio (SEC) ↗

Vanguard page for VCLT ↗

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

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