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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLRE +4.3%.

Which is cheaper, BIL or XLRE?

XLRE 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 XLRE: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to XLRE's +4.3%; 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 $8.0bn for State Street Real Estate Select Sector SPDR ETF.

BIL on its own →XLRE on its own →

At a glance

+3.7%

BIL total return, 1 year

+4.3%

XLRE total return, 1 year

0.14%

BIL expense ratio

0.08%

XLRE expense ratio

Pair scorecard

XLRE costs 0.06 points a year less; their one-year returns differ by 0.6 points; BIL is 6.1 times larger.

BIL vs XLRE: Differences, Returns & Fees
Measure	BIL	XLRE
Return
Measure	BIL	XLRE
Total return, 1 year	+3.7%	+4.3%
Drawdown
Measure	BIL	XLRE
Below its high		7.7%, high on Jul 28, 2026
Benchmark
Measure	BIL	XLRE
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	Real Estate Select Sector Index
Cost and size
Measure	BIL	XLRE
Expense ratio	0.14%	0.08%
Net assets, as of Oct 27, 2026	$48.7bn	$8.0bn
Holdings
Measure	BIL	XLRE
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		58.9%

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

What they share

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

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 XLRE

WELLTOWER INC 11.14%

PROLOGIS INC 8.19%

EQUINIX INC 6.72%

AMERICAN TOWER CORP 5.84%

PUBLIC STORAGE 4.87%

SIMON PROPERTY GROUP INC 4.76%

VIVMARK RESIDENTIAL 4.42%

DIGITAL REALTY TRUST INC 4.34%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF XLRE State Street Real Estate 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 Real estate

Total return, 1 year +3.7% +4.3%

Expense ratio 0.14% 0.08%

Holdings 26 31

Net assets, as of Oct 27, 2026 $48.7bn $8.0bn

BIL and XLRE 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.

XLRE

XLRE tracks an index of Real estate. Over the year to Oct 28, 2026 it returned +4.3% 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 31 positions, with the top ten at 58.9%. It sat 7.7% below its high of Jul 28, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or XLRE?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLRE +4.3%.
Which is cheaper, BIL or XLRE?: XLRE 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 IYR BIL vs VNQ BIL vs SCHH BIL vs XLB SHV vs XLRE PULS vs XLRE USFR vs XLRE MINT vs XLRE

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

XLRE filings on SEC EDGAR ↗

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

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