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BILS vs FLDR: Differences, Returns & Fees

BILS's duration was 0.4 years on Jun 30, 2026 and FLDR's 0.8 on May 31, 2026; BILS charges 0.14% to FLDR's 0.15%. Net assets: $3.9bn on Oct 20, 2026 for State Street SPDR Bloomberg 3-12 Month T-Bill ETF, and $2.3bn on Sep 30, 2026 for Fidelity Low Duration Bond Factor ETF.

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Answers cite the figures on this page.

BILS costs 0.01 points a year less; their one-year returns differ by 0.4 points; BILS is 1.7 times larger.

BILS vs FLDR: Differences, Returns & Fees
BILSFLDR
Expense ratio0.14%0.15%
Net assets, as of Sep 30, 2026$3.9bn$2.3bn
Total return, 1 year+3.6%+3.2%
What it tracksnot read by ETFIQFidelity Low Duration Investment Grade Factor Index
Holdings in commonreport dates differ

Holdings in common uses holdings dated May 31, 2026 and Jun 30, 2026.

+3.6%
BILS total return, 1 year
+3.2%
FLDR total return, 1 year
0.14%
BILS expense ratio
0.15%
FLDR expense ratio

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Client brief · page 1 of 2Report BR-F7548928C8

BILS and FLDR are built for the same job. How do they differ in cost, holdings and results?

  1. What each follows. BILS follows not read by ETFIQ and FLDR follows Fidelity Low Duration Investment Grade Factor Index.
  2. Number of holdings. BILS holds 23 positions and FLDR holds 352.
  3. One-year total return (similar). Over 1 year to Oct 20, 2026 BILS returned +3.6% and FLDR +3.2% with distributions reinvested, a gap of 0.4 points.

Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.

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On the same fields

BILS
State Street SPDR Bloomberg 3-12 Month T-Bill ETF
FLDR
Fidelity Low Duration Bond Factor ETF
Where it sits Bond ETF Bond ETF
Issuer State Street Fidelity
What it is Tracks an index Tracks an index
Total return, 1 year +3.6% +3.2%
Expense ratio 0.14% 0.15%
Holdings 23 352
Net assets, BILS as of Oct 20, 2026 and FLDR as of Sep 30, 2026 $3.9bn $2.3bn

BILS and FLDR on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.

About BILS

BILS tracks an index. Over the year to Oct 20, 2026 it returned +3.6% with distributions reinvested. The prospectus expense ratio is 0.14% a year.

About FLDR

FLDR tracks an index. Over the year to Oct 20, 2026 it returned +3.2% with distributions reinvested. The prospectus expense ratio is 0.15% a year.

Questions people ask

Which returned more over the last year, BILS or FLDR?
In the year to Oct 20, 2026, with distributions reinvested, BILS returned +3.6% and FLDR +3.2%.
Which is cheaper, BILS or FLDR?
BILS is cheaper, by 0.01 percentage points a year. That is about $1 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BILS vs BSCQBILS vs BSCRBILS vs BILZBILS vs TFLOFLDR vs GSYFLDR vs IBDSFLDR vs FLTRBSCR vs FLDR
BILS on its own →FLDR on its own →Hold both: look the portfolio through →Rankings →BILS dividend history →BILS holdings →FLDR dividend history →FLDR holdings →Standards and sources →
Where these figures came from
BILS filings on SEC EDGAR ↗BILS prospectus with the expense ratio (SEC) ↗State Street website ↗FLDR filings on SEC EDGAR ↗FLDR prospectus with the expense ratio (SEC) ↗Fidelity website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

ETFIQ, BILS against FLDR, data as of Oct 20, 2026. https://etfiq.com/compare/any/bils-vs-fldr

Open data

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