VBIL vs XHLF: Differences, Returns & Fees
VBIL's duration was 0.1 years on Jun 30, 2026 and XHLF's 0.5 on Jul 31, 2026; XHLF charges 0.03% to VBIL's 0.06%. Net assets: $12.8bn on Sep 30, 2026 for Vanguard 0-3 Month Treasury Bill ETF, and $1.9bn on Jul 31, 2026 for BondBloxx Bloomberg Six Month Target Duration US Treasury ETF.
XHLF costs 0.03 points a year less; their one-year returns differ by 0.2 points.
| VBIL | XHLF | |
|---|---|---|
| Expense ratio | 0.06% | 0.03% |
| Net assets, VBIL as of Sep 30, 2026 and XHLF as of Jul 31, 2026 | $12.8bn | $1.9bn |
| Total return, 1 year | +3.7% | +3.5% |
| What it tracks | Bloomberg U.S. Treasury Bills 0-3 Months Index | Bloomberg US Treasury Six Month Target Duration Index |
| Holdings in common | report dates differ | |
Holdings in common uses holdings dated Jun 30, 2026 and Jul 31, 2026.
VBIL and XHLF are built for the same job. How do they differ in cost, holdings and results?
- What each follows. VBIL follows Bloomberg U.S. Treasury Bills 0-3 Months Index and XHLF follows Bloomberg US Treasury Six Month Target Duration Index.
- Size. VBIL has $12.8bn in net assets and XHLF $1.9bn (net assets, VBIL as of Sep 30, 2026 and XHLF as of Jul 31, 2026); VBIL is 6.7 times larger.
- One-year total return (similar). Over 1 year to Oct 20, 2026 VBIL returned +3.7% and XHLF +3.5% with distributions reinvested, a gap of 0.2 points.
Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.
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On the same fields
VBIL and XHLF on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.
About VBIL
VBIL tracks an index of 0-3 Month Treasury Bill. Over the year to Oct 20, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.06% a year.
About XHLF
XHLF tracks an index. Over the year to Oct 20, 2026 it returned +3.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year.
Questions people ask
- Which returned more over the last year, VBIL or XHLF?
- In the year to Oct 20, 2026, with distributions reinvested, VBIL returned +3.7% and XHLF +3.5%.
- Which is cheaper, VBIL or XHLF?
- XHLF 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 XHLF, data as of Oct 20, 2026. https://etfiq.com/compare/any/vbil-vs-xhlf
ETFIQ. (Oct 20, 2026). VBIL against XHLF. Retrieved from https://etfiq.com/compare/any/vbil-vs-xhlf
[VBIL against XHLF (ETFIQ, Oct 20, 2026)](https://etfiq.com/compare/any/vbil-vs-xhlf)
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