Compare · 2 funds side by side · dividends reinvested

BIL and SPY

BILSPDR×SPYSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$17,493SPY · best of the two

02 / 04

BIL and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B1.4

State Street SPDR Bloomberg 1-3 Month T-Bill ETFBonds & Cash · Cash & T-bills0.14%3.67%+3.1%+3.7%+4.4%+3.7%−0.0%0.2%$48.7B1.6

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: BIL 2007 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Bloomberg 1-3 Month T-Bill ETF · $48.7B$12,019

BIL

SPY

State Street SPDR S&P 500 ETF · $778B$17,493

$10,000 five years ago, dividends reinvested

BILMeasureSPY

+3.1%Year to dateJan 1 → Nov 9+11.2%

+3.7%1 yearTotal return+13.5%

+4.4%3 years · per year$10,000 became $11,392 · $18,118+21.9%

+3.7%5 years · per year$10,000 became $12,019 · $17,493+11.8%

0.14%Expense ratio$14 · $9 a year on $10k · lower is better0.09%

3.67%Trailing 12-mo yield$367 · $101 a year on $10k1.01%

−0.0%Worst dropSmaller is better−8.9%

0.2%VolatilityLower is calmer13.7%

BILSPY Winner of the row, in its colourEach row: the bigger of the two fills its side

3–5SPY wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

BIL vs SPY: Top 5 Holdings

Today

BIL

[…]in top 5

SPY

in top 527.8%

BILStockSPY

not top 5AAPL7.9%

not top 5NVDA7.1%

not top 5MSFT6.2%

not top 5AMZN4.0%

not top 5GOOGL2.6%

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

BIL vs SPY Returns, Every Period

SPDRBIL

+3.7%

5 years, per year

SPYSPDR

+11.8%

5 years, per year

BILSPYFaded: behind in that period

0–4SPY wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Bonds vs Core: BIL vs SPY

YTD

SPDRBIL

+3.1%

SPYSPDR

+11.2%

+3.1%Year to date+11.2%

−0.0%Worst drop · 1Y−8.9%

0.2%Volatility · 1Y13.7%

3.7%Yield1.0%

$48.7BAssets$778B

3–1BIL wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: BIL, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

BIL0.14%$14

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: BIL, SPY

3.67%highest, BIL

FundTrailing yieldYield$10k

BIL3.67%$367

SPY1.01%$101

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$353most kept, BIL

BIL$367 − $14 = $353

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: BIL, SPY

Today

[…]holdings […]

BILSPY

BIL—[…]

SPY[…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+13.5%SPY, at 13.7% volatility

BILWorst drop−0.0%0.2% vol

SPYWorst drop−8.9%13.7% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

BILSPY

+3.1%Year to date+11.2%

3.7%Yield1.0%

+3.7%Past year+13.5%

0.14%Fee0.09%

3–1SPY wins

End-of-day Nov 9, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026