Data as of Oct 28, 2026.
ITOT vs VBIL: Differences, Returns & Fees
Over the year to Oct 28, 2026, ITOT returned +13.4% to VBIL's +3.7%; 0% of their weight is in the same names.
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Net assets: $97.1bn on Oct 27, 2026 for iShares Core S&P Total U.S. Stock Market ETF, and $12.8bn on Sep 30, 2026 for Vanguard 0-3 Month Treasury Bill ETF.
Pair scorecard
ITOT costs 0.03 points a year less; their one-year returns differ by 9.7 points; ITOT is 7.5 times larger.
| Measure | ITOT | VBIL |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.4% | +3.7% |
| Benchmark | ||
| What it tracks | S&P Total Market Index (TMI) | Bloomberg U.S. Treasury Bills 0-3 Months Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.06% |
| Net assets, as of Sep 30, 2026 | $95.9bn | $12.8bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 33.9% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, ITOT and VBIL hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
ITOT and VBIL on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
ITOT
ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.
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, ITOT or VBIL?
- In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and VBIL +3.7%.
- Which is cheaper, ITOT or VBIL?
- ITOT is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.
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, ITOT against VBIL, data as of Oct 28, 2026. https://etfiq.com/compare/any/itot-vs-vbil
ETFIQ. (Oct 28, 2026). ITOT against VBIL. Retrieved from https://etfiq.com/compare/any/itot-vs-vbil
[ITOT against VBIL (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/itot-vs-vbil)
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