Data as of Oct 28, 2026.
VBIL vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, VBIL returned +3.7% to VTI's +13.5%; 0% of their weight is in the same names.
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Net assets on Sep 30, 2026: $12.8bn for Vanguard 0-3 Month Treasury Bill ETF and $689.2bn for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.03 points a year less; their one-year returns differ by 9.8 points; VTI is far larger, $689.2bn against $12.8bn.
| Measure | VBIL | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +13.5% |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Treasury Bills 0-3 Months Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.06% | 0.03% |
| Net assets, as of Sep 30, 2026 | $12.8bn | $689.2bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 34.7% | |
Holdings in common uses holdings dated Sep 30, 2026. Method
What they share
By the books each fund has filed, VBIL and VTI hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026.
half
0% in common
Only in one fund ↓
Side by side
VBIL and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
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.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
- Which returned more over the last year, VBIL or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, VBIL returned +3.7% and VTI +13.5%.
- Which is cheaper, VBIL or VTI?
- VTI 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.
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ETFIQ, VBIL against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/vbil-vs-vti
ETFIQ. (Oct 28, 2026). VBIL against VTI. Retrieved from https://etfiq.com/compare/any/vbil-vs-vti
[VBIL against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vbil-vs-vti)
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