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Data as of Oct 28, 2026.

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BIL vs VGIT: Differences, Returns & Fees

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BIL's duration was 0.2 years on Jun 30, 2026 and VGIT's 4.7 on May 31, 2026; VGIT 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 $39.7bn on Sep 30, 2026 for Vanguard Intermediate-Term Treasury ETF.

BIL on its own →VGIT on its own →
At a glance
+3.7%
BIL total return, 1 year
−1.5%
VGIT total return, 1 year
0.14%
BIL expense ratio
0.03%
VGIT expense ratio

Pair scorecard

VGIT costs 0.11 points a year less; their one-year returns differ by 5.2 points; BIL is 1.3 times larger.

BIL vs VGIT: Differences, Returns & Fees
MeasureBILVGIT
Return
Total return, 1 year+3.7%−1.5%
Drawdown
Below its high3.5%, high on Aug 4, 2020
Benchmark
What it tracksBloomberg 1-3 Month U.S. Treasury Bill IndexBloomberg U.S. Treasury 3-10 Year Index
Cost and size
Expense ratio0.14%0.03%
Net assets, as of Sep 30, 2026$49.8bn$39.7bn
Holdings
Holdings in common0%

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

What they share

0%

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

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL VGIT
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 VGIT
US TREASURY N/B, due Feb 15, 2035 1.94%
US TREASURY N/B, due May 15, 2034 1.92%
US TREASURY N/B, due Nov 15, 2034 1.90%
US TREASURY N/B, due Aug 15, 2035 1.89%
US TREASURY N/B, due May 15, 2035 1.89%
US TREASURY N/B, due Aug 15, 2034 1.87%
US TREASURY N/B, due Feb 15, 2034 1.87%
US TREASURY N/B, due Nov 15, 2033 1.84%
Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF VGIT Vanguard Intermediate-Term Treasury 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 Intermediate-Term Treasury
Total return, 1 year +3.7% −1.5%
Its benchmark over the same days not measured −1.5% (SCHR)
Gap to its benchmark not measured 0.0 pts vs SCHR
Expense ratio 0.14% 0.03%
Holdings 26 103
Net assets, BIL as of Oct 27, 2026 and VGIT as of Sep 30, 2026 $48.7bn $39.7bn

BIL and VGIT 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.

VGIT

VGIT tracks an index of Intermediate-Term Treasury. Over the year to Oct 28, 2026 it returned −1.5% with distributions reinvested, against −1.5% for its benchmark, the Bloomberg U.S. Treasury 3-10 Year Index. The prospectus expense ratio is 0.03% a year. It sat 3.5% below its high of Aug 4, 2020 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or VGIT?
In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VGIT −1.5%.
Which is cheaper, BIL or VGIT?
VGIT 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 GOVTBIL vs IEFBIL vs JPSTBIL vs MBBSHV vs VGITPULS vs VGITUSFR vs VGITMINT vs VGIT
Where to next
BIL on its own →VGIT on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →VGIT dividend history →VGIT holdings →Standards and sources →
Sources and dates
BIL filings on SEC EDGAR ↗
BIL prospectus with the expense ratio (SEC) ↗
State Street website ↗
VGIT filings on SEC EDGAR ↗
VGIT prospectus with the expense ratio (SEC) ↗
Vanguard page for VGIT ↗

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

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