Compare · 3 funds side by side · dividends reinvested

BILS, SPY and IVV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,177IVV · best of the three

02 / 04

BILS, 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%1.14%+8.7%+9.8%+21.8%+11.4%−8.9%13.6%$853B1.6

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B2.1

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%$4.0B2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: BILS 2020 · SPY 1993 · IVV 2000

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

SPY

State Street SPDR S&P 500 ETF · $819B$17,118

$10,000 five years ago, dividends reinvested

BILSMeasureSPY

+3.0%Year to dateJan 1 → Nov 6+8.7%

+3.7%1 yearTotal return+9.7%

+4.5%3 years · per year$10,000 became $11,403 · $18,039+21.7%

+3.6%5 years · per year$10,000 became $11,953 · $17,118+11.3%

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

3.68%Trailing 12-mo yield$368 · $103 a year on $10k1.03%

−0.0%Worst dropSmaller is better−8.9%

0.2%VolatilityLower is calmer13.6%

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

3–5SPY 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 SPY: Top 5 Holdings

Today

BILS

[…]in top 5

SPY

in top 527.8%

BILSStockSPY

not top 5AAPL7.9%

not top 5NVDA6.9%

not top 5MSFT6.3%

not top 5AMZN4.0%

not top 5GOOGL2.6%

Held in common[…]

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

BILS vs SPY Returns, Every Period

SPDRBILS

+3.6%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

BILSSPYFaded: behind in that period

0–4SPY wins

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

Bonds vs Core: BILS vs IVV

YTD

SPDRBILS

+3.0%

IVViShares

+8.7%

+3.0%Year to date+8.7%

−0.0%Worst drop · 1Y−8.9%

0.2%Volatility · 1Y13.6%

3.7%Yield1.1%

$4.0BAssets$853B

3–1BILS wins

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

Cost, Income and Risk

Fees: BILS, SPY, IVV

Today

0.03%lowest, IVV

FundExpense ratioFee$10k

IVV0.03%$3

SPY0.09%$9

BILS0.14%$14

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

Yields: BILS, SPY, IVV

3.68%highest, BILS

FundTrailing yieldYield$10k

BILS3.68%$368

IVV1.14%$114

SPY1.03%$103

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

Income After Fees on $10,000

$354most kept, BILS

BILS$368 − $14 = $354

IVV$114 − $3 = $111

SPY$103 − $9 = $94

KeptFee

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

Overlap: BILS, SPY, IVV

Today

99.9%most shared, SPY and IVV

BILSSPYIVV

BILS—[…][…]

SPY[…]—99.9%

IVV[…]99.9%—

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

Return vs Bumpiness: 3 ETFs

+9.8%IVV, at 13.6% volatility

BILSWorst drop−0.0%0.2% vol

SPYWorst drop−8.9%13.6% vol

IVVWorst drop−8.9%13.6% vol

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

Paid More vs Made More

YTD

BILSIVV

+3.0%Year to date+8.7%

3.7%Yield1.1%

+3.7%Past year+9.8%

0.14%Fee0.03%

3–1IVV wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

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