BILS vs XHLF: Differences, Returns & Fees
BILS's duration was 0.4 years on Jun 30, 2026 and XHLF's 0.5 on Jul 31, 2026; XHLF charges 0.03% to BILS's 0.14%. Net assets: $3.9bn on Oct 20, 2026 for State Street SPDR Bloomberg 3-12 Month T-Bill ETF, and $1.9bn on Jul 31, 2026 for BondBloxx Bloomberg Six Month Target Duration US Treasury ETF.
XHLF costs 0.11 points a year less; their one-year returns differ by 0.1 points; BILS is 2.0 times larger.
| BILS | XHLF | |
|---|---|---|
| Expense ratio | 0.14% | 0.03% |
| Net assets, as of Jul 31, 2026 | $3.9bn | $1.9bn |
| Total return, 1 year | +3.6% | +3.5% |
| What it tracks | not read by ETFIQ | Bloomberg US Treasury Six Month Target Duration Index |
| Holdings in common | report dates differ | |
Holdings in common uses holdings dated Jun 30, 2026 and Jul 31, 2026.
BILS and XHLF are built for the same job. How do they differ in cost, holdings and results?
- What each follows. BILS follows not read by ETFIQ and XHLF follows Bloomberg US Treasury Six Month Target Duration Index.
- Cost. BILS charges 0.14% of assets a year and XHLF 0.03%, a gap of 0.11 points.
- One-year total return (similar). Over 1 year to Oct 20, 2026 BILS returned +3.6% and XHLF +3.5% 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.
Take this comparison to a client
The two-page PDF for this pair is coming. Save the comparison to follow its changes. Free. It needs an email sign-in, once.
Not advice. The brief uses the figures on this page, with the data date and a report id. Saved comparisons are listed on your saved page; privacy.
On the same fields
BILS and XHLF 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 XHLF
XHLF tracks an index. Over the year to Oct 20, 2026 it returned +3.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year.
Questions people ask
- Which returned more over the last year, BILS or XHLF?
- In the year to Oct 20, 2026, with distributions reinvested, BILS returned +3.6% and XHLF +3.5%.
- Which is cheaper, BILS or XHLF?
- XHLF is cheaper, by 0.11 percentage points a year. That is about $11 on $10,000 held for a year. Fees come from each fund's prospectus.
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 XHLF, data as of Oct 20, 2026. https://etfiq.com/compare/any/bils-vs-xhlf
ETFIQ. (Oct 20, 2026). BILS against XHLF. Retrieved from https://etfiq.com/compare/any/bils-vs-xhlf
[BILS against XHLF (ETFIQ, Oct 20, 2026)](https://etfiq.com/compare/any/bils-vs-xhlf)
Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.