Data as of Oct 28, 2026.
BIL vs VOO: Differences, Returns & Fees
Over the year to Oct 28, 2026, BIL returned +3.7% to VOO's +13.7%; 0% of their weight is in the same names.
askIQ about this page
askIQ about BIL and VOO
Net assets: $48.7bn on Oct 27, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $1.0tn on Sep 30, 2026 for Vanguard S&P 500 ETF.
Pair scorecard
VOO costs 0.11 points a year less; their one-year returns differ by 10.0 points; VOO is far larger, $1.0tn against $49.8bn.
| Measure | BIL | VOO |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +13.7% |
| Benchmark | ||
| What it tracks | Bloomberg 1-3 Month U.S. Treasury Bill Index | S&P 500 Index |
| Cost and size | ||
| Expense ratio | 0.14% | 0.03% |
| Net assets, as of Sep 30, 2026 | $49.8bn | $1.0tn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 39.1% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, BIL and VOO hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
BIL and VOO on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
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.
VOO
VOO tracks the S&P 500. Over the year to Oct 28, 2026 it returned +13.7% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 507 positions, with the top ten at 39.1%.
Questions people ask
- Which returned more over the last year, BIL or VOO?
- In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VOO +13.7%.
- Which is cheaper, BIL or VOO?
- VOO 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 VOO, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-voo
ETFIQ. (Oct 28, 2026). BIL against VOO. Retrieved from https://etfiq.com/compare/any/bil-vs-voo
[BIL against VOO (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bil-vs-voo)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.