Which returned more over the last year, BINC or VBIL?

In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and VBIL +3.7%.

Which is cheaper, BINC or VBIL?

VBIL is cheaper, by 0.34 percentage points a year. That is about $34 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

BINC vs VBIL: Differences, Returns & Fees

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BINC's duration was 2.9 years on Jul 31, 2026 and VBIL's 0.1 on Jun 30, 2026; VBIL charges 0.06% to BINC's 0.40%.

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Net assets: $16.8bn on Oct 27, 2026 for iShares Flexible Income Active ETF, and $12.8bn on Sep 30, 2026 for Vanguard 0-3 Month Treasury Bill ETF.

BINC on its own →VBIL on its own →

At a glance

+0.5%

BINC total return, 1 year

+3.7%

VBIL total return, 1 year

0.40%

BINC expense ratio

0.06%

VBIL expense ratio

Pair scorecard

VBIL costs 0.34 points a year less; their one-year returns differ by 3.2 points; BINC is 1.3 times larger.

BINC vs VBIL: Differences, Returns & Fees
Measure	BINC	VBIL
Return
Measure	BINC	VBIL
Total return, 1 year	+0.5%	+3.7%
Benchmark
Measure	BINC	VBIL
What it tracks	No index, actively managed	Bloomberg U.S. Treasury Bills 0-3 Months Index
Cost and size
Measure	BINC	VBIL
Expense ratio	0.40%	0.06%
Net assets, as of Sep 30, 2026	$16.4bn	$12.8bn
Holdings
Measure	BINC	VBIL
Holdings in common	0%
In the S&P 500, by weight	0%
Top ten holdings, share of the fund	24.6%

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

Risk and return

Feb 21, 2025 to Oct 23, 2026 · 87 weekly returns

BINC VBIL

Return

Total return edge VBIL +5.8% +6.7%

Annualized edge VBIL +3.4% +3.9%

Price return edge VBIL −3.7% +0.8%

Risk

Volatility edge VBIL 2.9% 0.1%

Max drawdown edge VBIL −2.7% 0.0%

Risk-adjusted

Sharpe edge BINC −0.20 −0.64

Sortino edge BINC −0.26 −0.90

Calmar 1.29 Not measured

Reading

VBIL returned more: +6.7% to +5.8%. VBIL swung less: 0.1% to 2.9%. VBIL fell less at its worst: 0.0% to −2.7%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: BINC vs VBIL: Differences, Returns & Fees
Measure	BINC	VBIL	Edge	How it is measured
Return
Total return	+5.8%	+6.7%	VBIL	Price change plus distributions, reinvested.
Annualized	+3.4%	+3.9%	VBIL	Total return as a yearly rate.
Price return	−3.7%	+0.8%	VBIL	Price change alone, distributions left out.
Risk
Volatility	2.9%	0.1%	VBIL	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	2.2%	0.1%	VBIL	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−2.7%	0.0%	VBIL	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	−0.20	−0.64	BINC	Return above Treasury bills per unit of volatility.
Sortino	−0.26	−0.90	BINC	Return above Treasury bills per unit of downside deviation.
Calmar	1.29	Not measured		Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 87 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

By the books each fund has filed, BINC and VBIL hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Jul 31, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BINC VBIL

Only in one fund ↓

Only in BINC

Uniform Mortgage-Backed Security, TBA, due Aug 1, 2056 6.83%

Uniform Mortgage-Backed Security, TBA, due Sep 1, 2056 3.48%

Uniform Mortgage-Backed Security, TBA, due Aug 1, 2056 2.35%

Uniform Mortgage-Backed Security, TBA, due Aug 1, 2056 1.57%

iShares iBoxx USD High Yield Corporate Bond ETF 1.46%

Italy Buoni Poliennali Del Tesoro, due Feb 1, 2031 1.32%

Uniform Mortgage-Backed Security, TBA, due Aug 1, 2056 1.10%

iShares iBoxx USD Investment Grade Corporate Bond ETF 1.06%

Only in VBIL

TREASURY BILL, due Jul 9, 2026 6.78%

TREASURY BILL, due Aug 6, 2026 6.10%

TREASURY BILL, due Jul 2, 2026 5.61%

TREASURY BILL, due Jul 16, 2026 5.41%

TREASURY BILL, due Jul 23, 2026 5.18%

TREASURY BILL, due Jul 14, 2026 5.17%

TREASURY BILL, due Jul 21, 2026 5.15%

TREASURY BILL, due Jul 30, 2026 5.12%

Check overlap with more funds →

Side by side

BINC iShares Flexible Income Active ETF VBIL Vanguard 0-3 Month Treasury Bill ETF

Where it sits Bond ETF Bond ETF

Issuer iShares Vanguard

What it is Actively managed Tracks an index of 0-3 Month Treasury Bill

Total return, 1 year +0.5% +3.7%

Expense ratio 0.40% 0.06%

Holdings 4690 28

Net assets, BINC as of Oct 27, 2026 and VBIL as of Sep 30, 2026 $16.8bn $12.8bn

BINC and VBIL on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Client brief · page 1 of 2 Report BR-14910479D7

BINC and VBIL do different jobs. What does each one do in a portfolio?

What each follows. BINC follows No index, actively managed and VBIL follows Bloomberg U.S. Treasury Bills 0-3 Months Index.
Holdings in common. 0% of the weight is in the same securities (holdings dated Jul 31, 2026 and Jun 30, 2026).
One-year total return. Over 1 year to Oct 28, 2026 BINC returned +0.5% and VBIL +3.7% with distributions reinvested, a gap of 3.2 points.

Data as of Oct 28, 2026.

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About each fund

BINC

BINC is actively managed and tracks no index. Over the year to Oct 28, 2026 it returned +0.5% with distributions reinvested. The prospectus expense ratio is 0.40% a year. By its holdings published by its issuer for Oct 27, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 4,690 positions, with the top ten at 24.6%.

VBIL

VBIL tracks an index of 0-3 Month Treasury Bill. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.06% a year.

Questions people ask

Which returned more over the last year, BINC or VBIL?: In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and VBIL +3.7%.
Which is cheaper, BINC or VBIL?: VBIL is cheaper, by 0.34 percentage points a year. That is about $34 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

BINC vs VUSB BIL vs BINC BINC vs SGOV BINC vs BOXX IEI vs VBIL HYG vs VBIL IGIB vs VBIL VBIL vs VTIP

Where to next

BINC on its own →VBIL on its own →Hold both: look the portfolio through →Rankings →BINC dividend history →BINC holdings →VBIL dividend history →VBIL holdings →Standards and sources →

Sources and dates

BINC filings on SEC EDGAR ↗

BINC prospectus with the expense ratio (SEC) ↗

iShares page for BINC ↗

VBIL filings on SEC EDGAR ↗

VBIL prospectus with the expense ratio (SEC) ↗

Vanguard page for VBIL ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, BINC against VBIL, data as of Oct 28, 2026. https://etfiq.com/compare/any/binc-vs-vbil

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