BIL vs SPY

ABIL

BSPY

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,545IVV · SPY $17,493

Lowest cost0.03%IVV · $3 on $10k

Most income3.67%BIL · $367 on $10k

Smallest drop−0.0%BIL · worst fall in 1Y

Held in common[…]BIL and SPY

BIL

SPY

State Street SPDR Bloomberg 1-3 Month T-Bill ETF · $48.7BState Street SPDR S&P 500 ETF · $778B

+4.4%3 years · per year$11,392 · $18,118+21.9%

+3.7%5 years · per year$12,019 · $17,493+11.8%

0.14%Expense ratio$14 · $9 on $10k · lower wins0.09%

3.67%12-mo yield$367 · $101 on $10k1.01%

−0.0%Worst dropSmaller wins−8.9%

0.2%VolatilityLower wins13.7%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsBIL · SPY

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	ABIL	State Street SPDR Bloomberg 1-3 Month T-Bill ETFRead Desk	0.14%	3.67%	0.0%	+3.1%	+3.7%	+4.4%	+3.7%	−0.0%	$48.7B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B
2	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	ABIL	State Street SPDR Bloomberg 1-3 Month T-Bill ETFRead Desk	0.14%	3.67%	0.0%	+3.1%	+3.7%	+4.4%	+3.7%	−0.0%	$48.7B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

BIL vs SPY

BIL

SPDR Bloomberg 1-3 Month T-Bill

$12,019

SPY

SPDR S&P 500

$17,493

MeasureBILSPY

Fee0.14%0.09%

Cost on $10k a year$14$9

Yield3.67%1.01%

5 years, per year+3.7%+11.8%

3 years, per year+4.4%+21.9%

Worst drop · 1Y−0.0%−8.9%

Volatility · 1Y0.2%13.7%

3–3measures won
level

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

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

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

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