Compare · 3 funds side by side · dividends reinvested

BILS, BND and VCIT

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$11,953BILS · best of the three

02 / 04

BILS, BND and VCIT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Bloomberg 3-12 Month T-Bill ETFBonds & Cash · Cash & T-bills0.14%3.68%+3.0%+3.7%+4.5%+3.6%−0.0%0.2%$4.0B1.8

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%−0.0%+0.6%+5.2%−0.1%−4.5%4.0%$161B2.0

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+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 6, 2026 · returns include dividends · since: BILS 2020 · BND 2007 · VCIT 2009

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Bloomberg 3-12 Month T-Bill ETF · $4.0B$11,953

BILS

BND

Vanguard Total Bond Market ETF · $161B$9,974

$10,000 five years ago, dividends reinvested

BILSMeasureBND

+3.0%Year to dateJan 1 → Nov 6−0.0%

+3.7%1 yearTotal return+0.6%

+4.5%3 years · per year$10,000 became $11,403 · $11,637+5.2%

+3.6%5 years · per year$10,000 became $11,953 · $9,974−0.1%

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

3.68%Trailing 12-mo yield$368 · $412 a year on $10k4.12%

−0.0%Worst dropSmaller is better−4.5%

0.2%VolatilityLower is calmer4.0%

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

5–3BILS wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

BILS vs BND: Top 5 Holdings

Today

BILS

[…]in top 5

BND

in top 5[…]

Holdings […] not in today’s data

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

BILS vs BND Returns, Every Period

SPDRBILS

+3.6%

5 years, per year

BNDVanguard

−0.1%

5 years, per year

BILSBNDFaded: behind in that period

3–1BILS wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

BILS vs VCIT

YTD

SPDRBILS

+3.0%

VCITVanguard

−0.8%

+3.0%Year to date−0.8%

−0.0%Worst drop · 1Y−4.9%

0.2%Volatility · 1Y4.5%

3.7%Yield5.0%

$4.0BAssets$66.6B

3–1BILS wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: BILS, BND, VCIT

Today

0.03%lowest, BND

FundExpense ratioFee$10k

BND0.03%$3

VCIT0.03%$3

BILS0.14%$14

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: BILS, BND, VCIT

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

BND4.12%$412

BILS3.68%$368

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BND$412 − $3 = $409

BILS$368 − $14 = $354

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: BILS, BND, VCIT

Today

[…]holdings […]

BILSBNDVCIT

BILS—[…][…]

BND[…]—[…]

VCIT[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+3.7%BILS, at 0.2% volatility

BILSWorst drop−0.0%0.2% vol

BNDWorst drop−4.5%4.0% vol

VCITWorst drop−4.9%4.5% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VCITBILS

−0.8%Year to date+3.0%

5.0%Yield3.7%

+0.4%Past year+3.7%

0.03%Fee0.14%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Three

BND vs AGG

YTD

VanguardBND

−0.0%

AGGiShares

−0.0%

−0.0%Year to date−0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026