Data as of Oct 28, 2026.

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VBIL vs VTI: Differences, Returns & Fees

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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.

At a glance
+3.7%
VBIL total return, 1 year
+13.5%
VTI total return, 1 year
0.06%
VBIL expense ratio
0.03%
VTI expense ratio

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.

VBIL vs VTI: Differences, Returns & Fees
MeasureVBILVTI
Return
Total return, 1 year+3.7%+13.5%
Benchmark
What it tracksBloomberg U.S. Treasury Bills 0-3 Months IndexMorningstar US Total Market Index
Cost and size
Expense ratio0.06%0.03%
Net assets, as of Sep 30, 2026$12.8bn$689.2bn
Holdings
Holdings in common0%
In the S&P 500, by weight88%
Top ten holdings, share of the fund34.7%

Holdings in common uses holdings dated Sep 30, 2026. Method

What they share

0%

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.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first VBIL VTI
MKTLIQ 0.02% 0.05%
Only in one fund ↓
Only in VBIL
United States Treasury Bill 5.76%
United States Treasury Bill 5.74%
United States Treasury Bill 5.21%
United States Treasury Bill 5.21%
United States Treasury Bill 5.19%
United States Treasury Bill 5.11%
United States Treasury Bill 5.04%
United States Treasury Bill 4.95%
Only in VTI
NVIDIA Corp 7.14%
Apple Inc 6.63%
Microsoft Corp 5.20%
Amazon.com Inc 3.30%
Alphabet Inc 2.76%
Broadcom Inc 2.28%
Meta Platforms Inc 2.18%
Alphabet Inc 2.18%
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Side by side

VBIL Vanguard 0-3 Month Treasury Bill ETF VTI Vanguard Morningstar Total Stock Market ETF
Where it sits Bond ETF Stock ETF
What it is Tracks an index of 0-3 Month Treasury Bill Tracks an index of US total market
Total return, 1 year +3.7% +13.5%
Expense ratio 0.06% 0.03%
Holdings 28 3521
Net assets, as of Sep 30, 2026 $12.8bn $689.2bn

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

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About each fund
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.
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ETFIQ, VBIL against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/vbil-vs-vti

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