Compare · 2 funds side by side · dividends reinvested

TBIL and SPY

TBILF/m×SPYSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$17,099SPY · best of the two

02 / 04

TBIL 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%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B1.4

F/m US Treasury 3 Month Bill FundBonds & Cash · Treasuries0.15%3.66%+3.1%+3.7%+4.4%[…]−0.0%0.3%$7.5B1.6

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

End-of-day Nov 5, 2026 · returns include dividends · since: TBIL 2022 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

F/m US Treasury 3 Month Bill Fund · $7.5B[…]

TBIL

SPY

State Street SPDR S&P 500 ETF · $805B$17,099

$10,000 five years ago, dividends reinvested

TBILMeasureSPY

+3.1%Year to dateJan 1 → Nov 5+13.3%

+3.7%1 yearTotal return+13.4%

+4.4%3 years · per year$10,000 became $11,394 · $19,132+24.1%

[…]5 years · per year$10,000 became […] · $18,060+12.6%

0.15%Expense ratio$15 · $9 a year on $10k · lower is better0.09%

3.66%Trailing 12-mo yield$366 · $99 a year on $10k0.99%

−0.0%Worst dropSmaller is better−8.9%

0.3%VolatilityLower is calmer12.9%

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

3–4SPY wins

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

More Ways to See the Pairs

TBIL vs SPY: Top 5 Holdings

Today

TBIL

[…]in top 5

SPY

in top 527.7%

TBILStockSPY

not top 5AAPL7.7%

not top 5NVDA7.3%

not top 5MSFT6.2%

not top 5AMZN3.9%

not top 5GOOGL2.6%

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

TBIL vs SPY Returns, Every Period

F/mTBIL

+3.7%

past year

SPYSPDR

+13.4%

past year

TBILSPYFaded: behind in that period

0–3SPY wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Bonds vs Core: TBIL vs SPY

YTD

F/mTBIL

+3.1%

SPYSPDR

+13.3%

+3.1%Year to date+13.3%

−0.0%Worst drop · 1Y−8.9%

0.3%Volatility · 1Y12.9%

3.7%Yield1.0%

$7.5BAssets$805B

3–1TBIL wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: TBIL, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

TBIL0.15%$15

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: TBIL, SPY

3.66%highest, TBIL

FundTrailing yieldYield$10k

TBIL3.66%$366

SPY0.99%$99

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$351most kept, TBIL

TBIL$366 − $15 = $351

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: TBIL, SPY

Today

[…]holdings […]

TBILSPY

TBIL—[…]

SPY[…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+13.4%SPY, at 12.9% volatility

TBILWorst drop−0.0%0.3% vol

SPYWorst drop−8.9%12.9% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

TBILSPY

+3.1%Year to date+13.3%

3.7%Yield1.0%

+3.7%Past year+13.4%

0.15%Fee0.09%

3–1SPY wins

End-of-day Nov 5, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 5, 2026