BIL vs XHLF: Differences, Returns & Fees
BIL's duration was 0.2 years on Jun 30, 2026 and XHLF's 0.5 on Jul 31, 2026; XHLF charges 0.03% to BIL's 0.14%. Net assets: $51.1bn on Oct 20, 2026 for SPDR Bloomberg 1-3 Month T-Bill ETF, and $1.9bn on Jul 31, 2026 for BondBloxx Bloomberg Six Month Target Duration US Treasury ETF.
XHLF costs 0.11 points a year less; their one-year returns differ by 0.2 points; BIL is far larger, $47.3bn against $1.9bn.
| BIL | XHLF | |
|---|---|---|
| Expense ratio | 0.14% | 0.03% |
| Net assets, as of Jul 31, 2026 | $47.3bn | $1.9bn |
| Total return, 1 year | +3.7% | +3.5% |
| What it tracks | 1-3 month T-bills | Bloomberg US Treasury Six Month Target Duration Index |
| Holdings in common | report dates differ | |
Holdings in common uses holdings dated Jun 30, 2026 and Jul 31, 2026.
BIL and XHLF are built for the same job. How do they differ in cost, holdings and results?
- What each follows. BIL follows 1-3 month T-bills and XHLF follows Bloomberg US Treasury Six Month Target Duration Index.
- Cost. BIL charges 0.14% of assets a year and XHLF 0.03%, a gap of 0.11 points.
- Size. BIL has $47.3bn in net assets and XHLF $1.9bn (net assets, as of Jul 31, 2026); BIL is 24.9 times larger.
Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.
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On the same fields
BIL and XHLF on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.
About BIL
BIL tracks an index of 1-3 month T-bills. Over the year to Oct 20, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.14% a year.
About XHLF
XHLF tracks an index. Over the year to Oct 20, 2026 it returned +3.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year.
Questions people ask
- Which returned more over the last year, BIL or XHLF?
- In the year to Oct 20, 2026, with distributions reinvested, BIL returned +3.7% and XHLF +3.5%.
- Which is cheaper, BIL or XHLF?
- XHLF 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.
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ETFIQ, BIL against XHLF, data as of Oct 20, 2026. https://etfiq.com/compare/any/bil-vs-xhlf
ETFIQ. (Oct 20, 2026). BIL against XHLF. Retrieved from https://etfiq.com/compare/any/bil-vs-xhlf
[BIL against XHLF (ETFIQ, Oct 20, 2026)](https://etfiq.com/compare/any/bil-vs-xhlf)
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