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Data as of Oct 28, 2026.

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BIL vs VGSH: Differences, Returns & Fees

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BIL's duration was 0.2 years on Jun 30, 2026 and VGSH's 1.8 on May 31, 2026; VGSH charges 0.03% to BIL's 0.14%.

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askIQ about BIL and VGSH

Net assets: $48.7bn on Oct 27, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $35.1bn on Sep 30, 2026 for Vanguard Short-Term Treasury ETF.

BIL on its own →VGSH on its own →
At a glance
+3.7%
BIL total return, 1 year
+1.7%
VGSH total return, 1 year
0.14%
BIL expense ratio
0.03%
VGSH expense ratio

Pair scorecard

VGSH costs 0.11 points a year less; their one-year returns differ by 2.0 points; BIL is 1.4 times larger.

BIL vs VGSH: Differences, Returns & Fees
MeasureBILVGSH
Return
Total return, 1 year+3.7%+1.7%
Benchmark
What it tracksBloomberg 1-3 Month U.S. Treasury Bill IndexBloomberg U.S. Treasury 1-3 Year Index
Cost and size
Expense ratio0.14%0.03%
Net assets, as of Sep 30, 2026$49.8bn$35.1bn
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 VGSH 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 VGSH
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 VGSH
US TREASURY N/B, due Jan 31, 2028 2.24%
US TREASURY N/B, due Apr 30, 2029 1.40%
US TREASURY N/B, due Jul 31, 2027 1.35%
US TREASURY N/B, due Feb 28, 2029 1.31%
US TREASURY N/B, due Mar 31, 2029 1.30%
US TREASURY N/B, due Jun 15, 2027 1.29%
US TREASURY N/B, due May 15, 2027 1.26%
US TREASURY N/B, due Aug 15, 2027 1.26%
Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF VGSH Vanguard Short-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 Short-Term Treasury
Total return, 1 year +3.7% +1.7%
Its benchmark over the same days not measured +1.8% (SCHO)
Gap to its benchmark not measured −0.1 pts vs SCHO
Expense ratio 0.14% 0.03%
Holdings 26 93
Net assets, BIL as of Oct 27, 2026 and VGSH as of Sep 30, 2026 $48.7bn $35.1bn

BIL and VGSH 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.

VGSH

VGSH tracks an index of Short-Term Treasury. Over the year to Oct 28, 2026 it returned +1.7% with distributions reinvested, against +1.8% for its benchmark, the Bloomberg U.S. Treasury 1-3 Year Index. The prospectus expense ratio is 0.03% a year.

Questions people ask

Which returned more over the last year, BIL or VGSH?
In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VGSH +1.7%.
Which is cheaper, BIL or VGSH?
VGSH 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 SHYBIL vs IEIBIL vs JAAABIL vs VGITSHV vs VGSHPULS vs VGSHUSFR vs VGSHMINT vs VGSH
Where to next
BIL on its own →VGSH on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →VGSH dividend history →VGSH holdings →Standards and sources →
Sources and dates
BIL filings on SEC EDGAR ↗
BIL prospectus with the expense ratio (SEC) ↗
State Street website ↗
VGSH filings on SEC EDGAR ↗
VGSH prospectus with the expense ratio (SEC) ↗
Vanguard page for VGSH ↗

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

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