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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLF +7.6%.

Which is cheaper, BIL or XLF?

XLF 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 XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to XLF's +7.6%; 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 $51.6bn for State Street Financial Select Sector SPDR ETF.

BIL on its own →XLF on its own →

At a glance

+3.7%

BIL total return, 1 year

+7.6%

XLF total return, 1 year

0.14%

BIL expense ratio

0.08%

XLF expense ratio

Pair scorecard

XLF costs 0.06 points a year less; their one-year returns differ by 3.9 points; XLF is 1.1 times larger.

BIL vs XLF: Differences, Returns & Fees
Measure	BIL	XLF
Return
Measure	BIL	XLF
Total return, 1 year	+3.7%	+7.6%
Drawdown
Measure	BIL	XLF
Below its high		3.8%, high on Sep 3, 2026
Benchmark
Measure	BIL	XLF
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	Financial Select Sector Index
Cost and size
Measure	BIL	XLF
Expense ratio	0.14%	0.08%
Net assets, as of Oct 27, 2026	$48.7bn	$51.6bn
Holdings
Measure	BIL	XLF
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		57.4%

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

What they share

By the books each fund has filed, BIL and XLF 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 XLF

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 XLF

BERKSHIRE HATHAWAY INC CL B 12.84%

JPMORGAN CHASE + CO 11.33%

VISA INC CLASS A SHARES 8.69%

MASTERCARD INC A 6.26%

BANK OF AMERICA CORP 4.18%

GOLDMAN SACHS GROUP INC 3.37%

WELLS FARGO + CO 3.17%

MORGAN STANLEY 2.83%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF XLF State Street Financial 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 Financials

Total return, 1 year +3.7% +7.6%

Expense ratio 0.14% 0.08%

Holdings 26 77

Net assets, as of Oct 27, 2026 $48.7bn $51.6bn

BIL and XLF 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.

XLF

XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% 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 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or XLF?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLF +7.6%.
Which is cheaper, BIL or XLF?: XLF 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 KRE BIL vs XLE BIL vs VNQ BIL vs XLI SHV vs XLF PULS vs XLF USFR vs XLF MINT vs XLF

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

XLF filings on SEC EDGAR ↗

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

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