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BILS vs GSST: Differences, Returns & Fees

BILS's duration was 0.4 years on Jun 30, 2026 and GSST's 0.5 on May 31, 2026; BILS charges 0.14% to GSST's 0.16%. Net assets: $3.9bn on Oct 20, 2026 for State Street SPDR Bloomberg 3-12 Month T-Bill ETF, and $1.7bn on Oct 19, 2026 for Goldman Sachs Ultra Short Bond ETF.

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Answers cite the figures on this page.

BILS costs 0.02 points a year less; their one-year returns differ by 0.3 points; BILS is 2.3 times larger.

BILS vs GSST: Differences, Returns & Fees
BILSGSST
Expense ratio0.14%0.16%
Net assets, as of Oct 19, 2026$3.9bn$1.7bn
Total return, 1 year+3.6%+3.9%
What it tracksnot read by ETFIQNo index, actively managed
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
+3.9%
GSST total return, 1 year
0.14%
BILS expense ratio
0.16%
GSST expense ratio

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Client brief · page 1 of 2Report BR-ADD1363EB0

BILS and GSST 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 GSST follows No index, actively managed.
  2. Number of holdings. BILS holds 23 positions and GSST holds 357.
  3. One-year total return (similar). Over 1 year to Oct 20, 2026 BILS returned +3.6% and GSST +3.9% with distributions reinvested, a gap of 0.3 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
GSST
Goldman Sachs Ultra Short Bond ETF
Where it sits Bond ETF Bond ETF
Issuer State Street Goldman Sachs
What it is Tracks an index Actively managed
Total return, 1 year +3.6% +3.9%
Expense ratio 0.14% 0.16%
Holdings 23 357
Net assets, BILS as of Oct 20, 2026 and GSST as of Oct 19, 2026 $3.9bn $1.7bn

BILS and GSST 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 GSST

GSST is actively managed and tracks no index. Over the year to Oct 20, 2026 it returned +3.9% with distributions reinvested. The prospectus expense ratio is 0.16% a year.

Questions people ask

Which returned more over the last year, BILS or GSST?
In the year to Oct 20, 2026, with distributions reinvested, BILS returned +3.6% and GSST +3.9%.
Which is cheaper, BILS or GSST?
BILS is cheaper, by 0.02 percentage points a year. That is about $2 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BILS vs IBTGBILS vs YEARBILS vs VRIGBILS vs XHLFGSST vs GSYGSST vs IBDSFLTR vs GSSTBSCR vs GSST
BILS on its own →GSST on its own →Hold both: look the portfolio through →Rankings →BILS dividend history →BILS holdings →GSST dividend history →GSST holdings →Standards and sources →
Where these figures came from
BILS filings on SEC EDGAR ↗BILS prospectus with the expense ratio (SEC) ↗State Street website ↗GSST filings on SEC EDGAR ↗GSST prospectus with the expense ratio (SEC) ↗Goldman Sachs 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 GSST, data as of Oct 20, 2026. https://etfiq.com/compare/any/bils-vs-gsst

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