Compare · 3 funds side by side · dividends reinvested

BIL, SPY and IVV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,545IVV · best of the three

02 / 04

BIL, SPY and IVV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.11%+11.3%+13.6%+22.0%+11.9%−8.9%13.8%$875B1.6

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%$778B2.1

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%$48.7B2.3

Rank among the three1st → 3rdFee, 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 · IVV 2000

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 IVV

YTD

SPDRBIL

+3.1%

IVViShares

+11.3%

+3.1%Year to date+11.3%

−0.0%Worst drop · 1Y−8.9%

0.2%Volatility · 1Y13.8%

3.7%Yield1.1%

$48.7BAssets$875B

3–1BIL wins

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

Cost, Income and Risk

Fees: BIL, SPY, IVV

Today

0.03%lowest, IVV

FundExpense ratioFee$10k

IVV0.03%$3

SPY0.09%$9

BIL0.14%$14

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

Yields: BIL, SPY, IVV

3.67%highest, BIL

FundTrailing yieldYield$10k

BIL3.67%$367

IVV1.11%$111

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

IVV$111 − $3 = $108

SPY$101 − $9 = $92

KeptFee

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

Overlap: BIL, SPY, IVV

Today

99.9%most shared, SPY and IVV

BILSPYIVV

BIL—[…][…]

SPY[…]—99.9%

IVV[…]99.9%—

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

Return vs Bumpiness: 3 ETFs

+13.6%IVV, at 13.8% volatility

BILWorst drop−0.0%0.2% vol

SPYWorst drop−8.9%13.7% vol

IVVWorst drop−8.9%13.8% vol

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

Paid More vs Made More

YTD

BILIVV

+3.1%Year to date+11.3%

3.7%Yield1.1%

+3.7%Past year+13.6%

0.14%Fee0.03%

3–1IVV wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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%

$116BAssets$48.7B

1–1level

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

End-of-day Nov 9, 2026