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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLU −3.0%.

Which is cheaper, BIL or XLU?

XLU 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 XLU: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to XLU's −3.0%; 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 $23.9bn for State Street Utilities Select Sector SPDR ETF.

BIL on its own →XLU on its own →

At a glance

+3.7%

BIL total return, 1 year

−3.0%

XLU total return, 1 year

0.14%

BIL expense ratio

0.08%

XLU expense ratio

Pair scorecard

XLU costs 0.06 points a year less; their one-year returns differ by 6.7 points; BIL is 2.0 times larger.

BIL vs XLU: Differences, Returns & Fees
Measure	BIL	XLU
Return
Measure	BIL	XLU
Total return, 1 year	+3.7%	−3.0%
Drawdown
Measure	BIL	XLU
Below its high		9.1%, high on Feb 27, 2026
Benchmark
Measure	BIL	XLU
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	Utilities Select Sector Index
Cost and size
Measure	BIL	XLU
Expense ratio	0.14%	0.08%
Net assets, as of Oct 27, 2026	$48.7bn	$23.9bn
Holdings
Measure	BIL	XLU
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		58.7%

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

What they share

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

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 XLU

NEXTERA ENERGY INC 12.76%

SOUTHERN CO 7.91%

DUKE ENERGY CORP 7.22%

CONSTELLATION ENERGY 6.33%

AMERICAN ELECTRIC POWER 5.26%

DOMINION ENERGY INC 4.26%

SEMPRA 4.12%

ENTERGY CORP 3.75%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF XLU State Street Utilities 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 Utilities

Total return, 1 year +3.7% −3.0%

Expense ratio 0.14% 0.08%

Holdings 26 32

Net assets, as of Oct 27, 2026 $48.7bn $23.9bn

BIL and XLU 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.

XLU

XLU tracks an index of Utilities. Over the year to Oct 28, 2026 it returned −3.0% 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 32 positions, with the top ten at 58.7%. It sat 9.1% below its high of Feb 27, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or XLU?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XLU −3.0%.
Which is cheaper, BIL or XLU?: XLU 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 VPU BIL vs XLY BIL vs XLC BIL vs VHT SHV vs XLU PULS vs XLU USFR vs XLU MINT vs XLU

Where to next

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

Sources and dates

BIL filings on SEC EDGAR ↗

BIL prospectus with the expense ratio (SEC) ↗

State Street website ↗

XLU filings on SEC EDGAR ↗

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

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