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BILS vs SGOV: Differences, Returns & Fees

BILS's duration was 0.4 years on Jun 30, 2026 and SGOV's 0.1 on May 31, 2026; SGOV charges 0.09% to BILS's 0.14%. Net assets on Oct 20, 2026: $3.9bn for State Street SPDR Bloomberg 3-12 Month T-Bill ETF and $116.5bn for iShares 0-3 Month Treasury Bond ETF.

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Answers cite the figures on this page.

SGOV costs 0.05 points a year less; their one-year returns differ by 0.1 points; SGOV is far larger, $116.5bn against $3.9bn.

BILS vs SGOV: Differences, Returns & Fees
BILSSGOV
Expense ratio0.14%0.09%
Net assets$3.9bn$116.5bn
Total return, 1 year+3.6%+3.7%
What it tracksnot read by ETFIQICE 0-3 Month US Treasury Securities 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
+3.7%
SGOV total return, 1 year
0.14%
BILS expense ratio
0.09%
SGOV expense ratio

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Client brief · page 1 of 2Report BR-C2639F0D38

BILS and SGOV 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 SGOV follows ICE 0-3 Month US Treasury Securities Index.
  2. Size. BILS has $3.9bn in net assets and SGOV $116.5bn (Net assets); SGOV is 29.9 times larger.
  3. One-year total return (similar). Over 1 year to Oct 20, 2026 BILS returned +3.6% and SGOV +3.7% with distributions reinvested, a gap of 0.1 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
SGOV
iShares 0-3 Month Treasury Bond ETF
Where it sits Bond ETF Bond ETF
Issuer State Street iShares
What it is Tracks an index Tracks an index of 0-3 month T-bills
Total return, 1 year +3.6% +3.7%
Expense ratio 0.14% 0.09%
Holdings 23 23
Net assets $3.9bn $116.5bn

BILS and SGOV 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 SGOV

SGOV tracks an index of 0-3 month T-bills. Over the year to Oct 20, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.09% a year.

Questions people ask

Which returned more over the last year, BILS or SGOV?
In the year to Oct 20, 2026, with distributions reinvested, BILS returned +3.6% and SGOV +3.7%.
Which is cheaper, BILS or SGOV?
SGOV is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BILS vs FTSMBILS vs BSCRBILS vs IBDSBILS vs GSYSGOV vs WEEKGSY vs SGOVIBDS vs SGOVFLTR vs SGOV
BILS on its own →SGOV on its own →Hold both: look the portfolio through →Rankings →BILS dividend history →BILS holdings →SGOV dividend history →SGOV holdings →Standards and sources →
Where these figures came from
BILS filings on SEC EDGAR ↗BILS prospectus with the expense ratio (SEC) ↗State Street website ↗SGOV filings on SEC EDGAR ↗SGOV prospectus with the expense ratio (SEC) ↗iShares page for SGOV ↗

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

Open data

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