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BILS vs FLOT: Differences, Returns & Fees

BILS's duration was 0.4 years on Jun 30, 2026 and FLOT's 0.0 on Jul 31, 2026; BILS charges 0.14% to FLOT's 0.15%. Net assets on Oct 20, 2026: $3.9bn for State Street SPDR Bloomberg 3-12 Month T-Bill ETF and $11.5bn for iShares Floating Rate Bond 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 0.7 points; FLOT is 2.9 times larger.

BILS vs FLOT: Differences, Returns & Fees
BILSFLOT
Expense ratio0.14%0.15%
Net assets$3.9bn$11.5bn
Total return, 1 year+3.6%+4.3%
What it tracksnot read by ETFIQnot read by ETFIQ
Holdings in commonreport dates differ

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

+3.6%
BILS total return, 1 year
+4.3%
FLOT total return, 1 year
0.14%
BILS expense ratio
0.15%
FLOT expense ratio

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Client brief · page 1 of 2Report BR-7AA82FAACA

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

  1. Number of holdings. BILS holds 23 positions and FLOT holds 557.
  2. What each follows (similar). Both follow not read by ETFIQ.
  3. One-year total return (similar). Over 1 year to Oct 20, 2026 BILS returned +3.6% and FLOT +4.3% with distributions reinvested, a gap of 0.7 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
FLOT
iShares Floating Rate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer State Street iShares
What it is Tracks an index Tracks an index
Total return, 1 year +3.6% +4.3%
Expense ratio 0.14% 0.15%
Holdings 23 557
Net assets $3.9bn $11.5bn

BILS and FLOT 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 FLOT

FLOT tracks an index. Over the year to Oct 20, 2026 it returned +4.3% with distributions reinvested. The prospectus expense ratio is 0.15% a year.

Questions people ask

Which returned more over the last year, BILS or FLOT?
In the year to Oct 20, 2026, with distributions reinvested, BILS returned +3.6% and FLOT +4.3%.
Which is cheaper, BILS or FLOT?
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 VBILBILS vs VUSBBILS vs ICSHBILS vs GBILFLOT vs GSYFLOT vs IBDSFLOT vs FLTRBSCR vs FLOT
BILS on its own →FLOT on its own →Hold both: look the portfolio through →Rankings →BILS dividend history →BILS holdings →FLOT dividend history →FLOT holdings →Standards and sources →
Where these figures came from
BILS filings on SEC EDGAR ↗BILS prospectus with the expense ratio (SEC) ↗State Street website ↗FLOT filings on SEC EDGAR ↗FLOT prospectus with the expense ratio (SEC) ↗iShares page for FLOT ↗

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 FLOT, data as of Oct 20, 2026. https://etfiq.com/compare/any/bils-vs-flot

Open data

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