Data as of Oct 28, 2026.
VBIL vs VUG: Differences, Returns & Fees
Over the year to Oct 28, 2026, VBIL returned +3.7% to VUG's +6.6%; 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 $232.9bn for Vanguard Morningstar Growth ETF.
Pair scorecard
VUG costs 0.03 points a year less; their one-year returns differ by 2.9 points; VUG is 18.2 times larger.
| Measure | VBIL | VUG |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | +6.6% |
| Drawdown | ||
| Below its high | 4.1%, high on Oct 6, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Treasury Bills 0-3 Months Index | Morningstar US Large Cap Growth Index |
| Cost and size | ||
| Expense ratio | 0.06% | 0.03% |
| Net assets, as of Sep 30, 2026 | $12.8bn | $232.9bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 97% | |
| Top ten holdings, share of the fund | 63.1% | |
Holdings in common uses holdings dated Sep 30, 2026. Method
Risk and return
Feb 21, 2025 to Oct 23, 2026 · 87 weekly returnsVUG returned more: +26.1% to +6.7%. VBIL swung less: 0.1% to 20.9%. VBIL fell less at its worst: 0.0% to −19.6%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VBIL | VUG | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +6.7% | +26.1% | VUG | Price change plus distributions, reinvested. |
| Annualized | +3.9% | +14.9% | VUG | Total return as a yearly rate. |
| Price return | +0.8% | +25.1% | VUG | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 0.1% | 20.9% | VBIL | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 0.1% | 13.6% | VBIL | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | 0.0% | −19.6% | VBIL | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | −0.64 | 0.58 | VUG | Return above Treasury bills per unit of volatility. |
| Sortino | −0.90 | 0.89 | VUG | Return above Treasury bills per unit of downside deviation. |
| Calmar | Not measured | 0.76 | 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, VBIL and VUG 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 VUG on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VBIL and VUG do different jobs. What does each one do in a portfolio?
- What each follows. VBIL follows Bloomberg U.S. Treasury Bills 0-3 Months Index and VUG follows Morningstar US Large Cap Growth Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Sep 30, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 VBIL returned +3.7% and VUG +6.6% with distributions reinvested, a gap of 2.9 points.
Data as of Oct 28, 2026.
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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.
VUG
VUG tracks an index of US growth. Over the year to Oct 28, 2026 it returned +6.6% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 97% of the fund by weight is stocks the S&P 500 also holds, across 137 positions, with the top ten at 63.1%. It sat 4.1% below its high of Oct 6, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VBIL or VUG?
- In the year to Oct 28, 2026, with distributions reinvested, VBIL returned +3.7% and VUG +6.6%.
- Which is cheaper, VBIL or VUG?
- VUG 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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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 VUG, data as of Oct 28, 2026. https://etfiq.com/compare/any/vbil-vs-vug
ETFIQ. (Oct 28, 2026). VBIL against VUG. Retrieved from https://etfiq.com/compare/any/vbil-vs-vug
[VBIL against VUG (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vbil-vs-vug)
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