Which returned more over the last year, BIL or XLE?

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLE +61.2%.

Which is cheaper, BIL or XLE?

XLE is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

BIL vs XLE: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to XLE's +61.2%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $48.7bn for SPDR Bloomberg 1-3 Month T-Bill ETF and $45.2bn for State Street Energy Select Sector SPDR ETF.

BIL on its own →XLE on its own →

At a glance

+3.7%

BIL total return, 1 year

+61.2%

XLE total return, 1 year

0.14%

BIL expense ratio

0.08%

XLE expense ratio

Pair scorecard

XLE costs 0.06 points a year less; their one-year returns differ by 57.5 points; BIL is 1.1 times larger.

BIL vs XLE: Differences, Returns & Fees
Measure	BIL	XLE
Return
Measure	BIL	XLE
Total return, 1 year	+3.7%	+61.2%
Benchmark
Measure	BIL	XLE
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	Energy Select Sector Index
Cost and size
Measure	BIL	XLE
Expense ratio	0.14%	0.08%
Net assets, as of Oct 27, 2026	$48.7bn	$45.2bn
Holdings
Measure	BIL	XLE
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		78.1%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, BIL and XLE hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL XLE

Only in one fund ↓

Only in BIL

TREASURY BILL 12/26 0.00000 7.94%

TREASURY BILL 12/26 0.00000 6.66%

TREASURY BILL 12/26 0.00000 6.46%

TREASURY BILL 12/26 0.00000 6.40%

TREASURY BILL 12/26 0.00000 6.39%

TREASURY BILL 11/26 0.00000 6.26%

TREASURY BILL 12/26 0.00000 6.21%

TREASURY BILL 11/26 0.00000 4.85%

Only in XLE

EXXONMOBIL HOLDINGS CORP 23.98%

CHEVRON CORP 18.21%

CONOCOPHILLIPS 7.18%

MARATHON PETROLEUM CORP 4.67%

PHILLIPS 66 4.41%

VALERO ENERGY CORP 4.26%

WILLIAMS COS INC 4.22%

EOG RESOURCES INC 4.07%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF XLE State Street Energy Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer State Street State Street

What it is Tracks an index of 1-3 month T-bills Tracks an index of Energy

Total return, 1 year +3.7% +61.2%

Expense ratio 0.14% 0.08%

Holdings 26 22

Net assets, as of Oct 27, 2026 $48.7bn $45.2bn

BIL and XLE on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

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.

XLE

XLE tracks an index of Energy. Over the year to Oct 28, 2026 it returned +61.2% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 22 positions, with the top ten at 78.1%.

Questions people ask

Which returned more over the last year, BIL or XLE?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLE +61.2%.
Which is cheaper, BIL or XLE?: XLE is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

BIL vs VDE BIL vs XOP BIL vs IYE BIL vs XLV SHV vs XLE PULS vs XLE USFR vs XLE MINT vs XLE

Where to next

BIL on its own →XLE on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →XLE dividend history →XLE holdings →Standards and sources →

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

XLE filings on SEC EDGAR ↗

XLE prospectus with the expense ratio (SEC) ↗

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

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