Data as of Oct 28, 2026.
BIL vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, BIL returned +3.7% to VTI's +13.5%; 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 $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.11 points a year less; their one-year returns differ by 9.8 points; VTI is 13.8 times larger.
| Measure | BIL | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +13.5% |
| Benchmark | ||
| What it tracks | Bloomberg 1-3 Month U.S. Treasury Bill Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.14% | 0.03% |
| Net assets, as of Sep 30, 2026 | $49.8bn | $689.2bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 34.7% | |
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 VTI 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 VTI 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.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
- Which returned more over the last year, BIL or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and VTI +13.5%.
- Which is cheaper, BIL or VTI?
- VTI 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 VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-vti
ETFIQ. (Oct 28, 2026). BIL against VTI. Retrieved from https://etfiq.com/compare/any/bil-vs-vti
[BIL against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bil-vs-vti)
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