Compare · 3 funds side by side · dividends reinvested

BIL, VOO and VCIT

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,543VOO · best of the three

02 / 04

BIL, VOO and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.07%+11.3%+13.6%+22.0%+11.9%−8.9%13.7%$1.00T1.8

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%$48.7B2.0

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.1

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 · VOO 2010 · VCIT 2009

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

VOO

Vanguard S&P 500 ETF · $1.00T$17,543

$10,000 five years ago, dividends reinvested

BILMeasureVOO

+3.1%Year to dateJan 1 → Nov 9+11.3%

+3.7%1 yearTotal return+13.6%

+4.4%3 years · per year$10,000 became $11,392 · $18,159+22.0%

+3.7%5 years · per year$10,000 became $12,019 · $17,543+11.9%

0.14%Expense ratio$14 · $3 a year on $10k · lower is better0.03%

3.67%Trailing 12-mo yield$367 · $107 a year on $10k1.07%

−0.0%Worst dropSmaller is better−8.9%

0.2%VolatilityLower is calmer13.7%

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

3–5VOO 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 VOO: Top 5 Holdings

Today

BIL

[…]in top 5

VOO

in top 528.3%

BILStockVOO

not top 5NVDA8.4%

not top 5AAPL7.4%

not top 5MSFT5.8%

not top 5AMZN3.7%

not top 5GOOGL3.1%

Held in common[…]

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

BIL vs VOO Returns, Every Period

SPDRBIL

+3.7%

5 years, per year

VOOVanguard

+11.9%

5 years, per year

BILVOOFaded: behind in that period

0–4VOO wins

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

BIL vs VCIT

YTD

SPDRBIL

+3.1%

VCITVanguard

−0.7%

+3.1%Year to date−0.7%

−0.0%Worst drop · 1Y−4.9%

0.2%Volatility · 1Y4.5%

3.7%Yield5.0%

$48.7BAssets$66.6B

3–1BIL wins

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

Cost, Income and Risk

Fees: BIL, VOO, VCIT

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

VCIT0.03%$3

BIL0.14%$14

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

Yields: BIL, VOO, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

BIL3.67%$367

VOO1.07%$107

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BIL$367 − $14 = $353

VOO$107 − $3 = $104

KeptFee

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

Overlap: BIL, VOO, VCIT

Today

[…]holdings […]

BILVOOVCIT

BIL—[…][…]

VOO[…]—[…]

VCIT[…][…]—

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

Return vs Bumpiness: 3 ETFs

+13.6%VOO, at 13.7% volatility

BILWorst drop−0.0%0.2% vol

VCITWorst drop−4.9%4.5% vol

VOOWorst drop−8.9%13.7% vol

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

Paid More vs Made More

YTD

VCITVOO

−0.7%Year to date+11.3%

5.0%Yield1.1%

+0.0%Past year+13.6%

0.03%Fee0.03%

2–1VOO 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%

$117BAssets$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$853B

0–0level

End-of-day Nov 9, 2026