Data as of Oct 28, 2026.
VBIL vs XLC: Differences, Returns & Fees
Over the year to Oct 28, 2026, VBIL returned +3.7% to XLC's −10.4%; 0% of their weight is in the same names.
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Net assets: $12.8bn on Sep 30, 2026 for Vanguard 0-3 Month Treasury Bill ETF, and $22.1bn on Oct 27, 2026 for State Street Communication Services Select Sector SPDR ETF.
Pair scorecard
VBIL costs 0.02 points a year less; their one-year returns differ by 14.1 points; XLC is 1.8 times larger.
| Measure | VBIL | XLC |
|---|---|---|
| Return | ||
| Total return, 1 year | +3.7% | −10.4% |
| Drawdown | ||
| Below its high | 13.3%, high on Jan 30, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Treasury Bills 0-3 Months Index | Communication Services Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.06% | 0.08% |
| Net assets, as of Sep 30, 2026 | $12.8bn | $22.5bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 75.3% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, VBIL and XLC 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
VBIL and XLC 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.
XLC
XLC tracks an index of Communication services. Over the year to Oct 28, 2026 it returned −10.4% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 23 positions, with the top ten at 75.3%. It sat 13.3% below its high of Jan 30, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VBIL or XLC?
- In the year to Oct 28, 2026, with distributions reinvested, VBIL returned +3.7% and XLC −10.4%.
- Which is cheaper, VBIL or XLC?
- VBIL is cheaper, by 0.02 percentage points a year. That is about $2 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, VBIL against XLC, data as of Oct 28, 2026. https://etfiq.com/compare/any/vbil-vs-xlc
ETFIQ. (Oct 28, 2026). VBIL against XLC. Retrieved from https://etfiq.com/compare/any/vbil-vs-xlc
[VBIL against XLC (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vbil-vs-xlc)
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