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

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XOP +62.5%.

Which is cheaper, BIL or XOP?

BIL is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

BIL vs XOP: Differences, Returns & Fees

Share on X Download as PDF

Over the year to Oct 28, 2026, BIL returned +3.7% to XOP's +62.5%; 0% of their weight is in the same names.

askIQ about this page

askIQ about BIL and XOP

Net assets on Oct 27, 2026: $48.7bn for SPDR Bloomberg 1-3 Month T-Bill ETF and $4.6bn for State Street SPDR S&P Oil & Gas Exploration & Production ETF.

BIL on its own →XOP on its own →

At a glance

+3.7%

BIL total return, 1 year

+62.5%

XOP total return, 1 year

0.14%

BIL expense ratio

0.35%

XOP expense ratio

Pair scorecard

BIL costs 0.21 points a year less; their one-year returns differ by 58.8 points; BIL is 10.6 times larger.

BIL vs XOP: Differences, Returns & Fees
Measure	BIL	XOP
Return
Measure	BIL	XOP
Total return, 1 year	+3.7%	+62.5%
Drawdown
Measure	BIL	XOP
Below its high		24.8%, high on Jun 23, 2014
Benchmark
Measure	BIL	XOP
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	S&P Oil & Gas Exploration & Production Select Industry Index
Cost and size
Measure	BIL	XOP
Expense ratio	0.14%	0.35%
Net assets, as of Oct 27, 2026	$48.7bn	$4.6bn
Holdings
Measure	BIL	XOP
Holdings in common	0%

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

What they share

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

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 XOP

RANGE RESOURCES CORP 3.48%

APA CORP 2.92%

MURPHY OIL CORP 2.89%

OVINTIV INC 2.85%

EOG RESOURCES INC 2.82%

EXXONMOBIL HOLDINGS CORP 2.82%

MARATHON PETROLEUM CORP 2.81%

CONOCOPHILLIPS 2.79%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF XOP State Street SPDR S&P Oil & Gas Exploration & Production 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 the S&P Oil & Gas Exploration & Production

Total return, 1 year +3.7% +62.5%

Expense ratio 0.14% 0.35%

Holdings 26 52

Net assets, as of Oct 27, 2026 $48.7bn $4.6bn

BIL and XOP 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.

XOP

XOP tracks the S&P Oil & Gas Exploration & Production. Over the year to Oct 28, 2026 it returned +62.5% with distributions reinvested. The prospectus expense ratio is 0.35% a year. It sat 24.8% below its high of Jun 23, 2014 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or XOP?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and XOP +62.5%.
Which is cheaper, BIL or XOP?: BIL is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

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

Where to next

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

Sources and dates

BIL and XOP filings on SEC EDGAR ↗

BIL and XOP prospectus with the expense ratio (SEC) ↗

State Street website ↗

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

Open data →

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