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Data as of Oct 28, 2026.

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BIL vs VDC: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to VDC's +12.7%; 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 $7.4bn on Sep 30, 2026 for Vanguard Consumer Staples ETF.

BIL on its own →VDC on its own →
At a glance
+3.7%
BIL total return, 1 year
+12.7%
VDC total return, 1 year
0.14%
BIL expense ratio
0.09%
VDC expense ratio

Pair scorecard

VDC costs 0.05 points a year less; their one-year returns differ by 9.0 points; BIL is 6.7 times larger.

BIL vs VDC: Differences, Returns & Fees
MeasureBILVDC
Return
Total return, 1 year+3.7%+12.7%
Drawdown
Below its high3.1%, high on Oct 22, 2026
Benchmark
What it tracksBloomberg 1-3 Month U.S. Treasury Bill IndexMSCI US Investable Market Index (IMI)/Consumer Staples 25/50
Cost and size
Expense ratio0.14%0.09%
Net assets, as of Sep 30, 2026$49.8bn$7.4bn
Holdings
Holdings in common0%
In the S&P 500, by weight86%
Top ten holdings, share of the fund66.0%

Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, BIL and VDC hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL VDC
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 VDC
Walmart Inc 13.86%
Costco Wholesale Corp 12.12%
Procter & Gamble Co 9.90%
Coca-Cola Co 9.80%
Philip Morris International Inc 4.83%
PepsiCo Inc 4.28%
Altria Group Inc 3.86%
Mondelez International Inc 2.58%
Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF VDC Vanguard Consumer Staples ETF
Where it sits Bond ETF Stock ETF
Issuer State Street Vanguard
What it is Tracks an index of 1-3 month T-bills Tracks an index of Consumer Staples
Total return, 1 year +3.7% +12.7%
Its benchmark over the same days not measured +12.7% (FSTA)
Gap to its benchmark not measured 0.0 pts vs FSTA
Expense ratio 0.14% 0.09%
Holdings 26 105
Net assets, BIL as of Oct 27, 2026 and VDC as of Sep 30, 2026 $48.7bn $7.4bn

BIL and VDC 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.

VDC

VDC tracks an index of Consumer Staples. Over the year to Oct 28, 2026 it returned +12.7% with distributions reinvested, against +12.7% for its benchmark, the MSCI US Investable Market Index (IMI)/Consumer Staples 25/50. The prospectus expense ratio is 0.09% a year. By its holdings published by its issuer as of Sep 30, 2026, 86% of the fund by weight is stocks the S&P 500 also holds, across 105 positions, with the top ten at 66.0%. It sat 3.1% below its high of Oct 22, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or VDC?
In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VDC +12.7%.
Which is cheaper, BIL or VDC?
VDC is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIL vs XLPBIL vs VHTBIL vs XLCBIL vs XLYSHV vs VDCPULS vs VDCUSFR vs VDCMINT vs VDC
Where to next
BIL on its own →VDC on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →VDC dividend history →VDC holdings →Standards and sources →
Sources and dates
BIL filings on SEC EDGAR ↗
BIL prospectus with the expense ratio (SEC) ↗
State Street website ↗
VDC filings on SEC EDGAR ↗
VDC prospectus with the expense ratio (SEC) ↗
Vanguard page for VDC ↗

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.

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ETFIQ, BIL against VDC, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-vdc

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