BILS vs USFR

ABILS

BUSFR

Measures won2–3USFR wins · of 6 · 5Y

$10,000 · 5Y$12,189USFR · SGOV $12,091

Lowest cost0.03%VCIT · $3 on $10k

Most income5.02%VCIT · $502 on $10k

Smallest drop0.0%SGOV · worst fall in 1Y

Held in common[…]BILS and USFR

BILS

USFR

State Street SPDR Bloomberg 3-12 Month T-Bill ETF · $4.0BWisdomTree Floating Rate Treasury Fund · $21.3B

+4.5%3 years · per year$11,398 · $11,448+4.6%

+3.6%5 years · per year$11,954 · $12,189+4.0%

0.14%Expense ratio$14 · $15 on $10k · lower wins0.15%

3.68%12-mo yield$368 · $371 on $10k3.71%

−0.0%Worst dropSmaller wins−0.0%

0.2%VolatilityLower wins0.3%

2–3USFR wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsBILS · USFR

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 Four

5Y4 funds

#
1	BUSFR	WisdomTree Floating Rate Treasury FundRead Desk	0.15%	3.71%	0.0%	+3.4%	+4.1%	+4.6%	+4.0%	−0.0%	$21.3B
2	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
3	ABILS	State Street SPDR Bloomberg 3-12 Month T-Bill ETFRead Desk	0.14%	3.68%	0.0%	+3.0%	+3.7%	+4.5%	+3.6%	−0.0%	$4.0B
4	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B

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

All Four

5Y4 funds

#
1	BUSFR	WisdomTree Floating Rate Treasury FundRead Desk	0.15%	3.71%	0.0%	+3.4%	+4.1%	+4.6%	+4.0%	−0.0%	$21.3B
2	SGOV	iShares 0-3 Month Treasury Bond ETFRead Desk	0.09%	3.63%	0.0%	+3.2%	+3.8%	+4.5%	+3.9%	0.0%	$116.4B
3	ABILS	State Street SPDR Bloomberg 3-12 Month T-Bill ETFRead Desk	0.14%	3.68%	0.0%	+3.0%	+3.7%	+4.5%	+3.6%	−0.0%	$4.0B
4	VCIT	Vanguard Intermediate-Term Corporate Bond ETFRead Desk	0.03%	5.02%	+0.1%	−0.7%	0.0%	+6.6%	+1.0%	−4.9%	$66.6B

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

BILS vs USFR

BILS

SPDR Bloomberg 3-12 Month T-Bill

$11,954

USFR

WisdomTree Floating Rate Treasury Fund

$12,189

MeasureBILSUSFR

Fee0.14%0.15%

Cost on $10k a year$14$15

Yield3.68%3.71%

5 years, per year+3.6%+4.0%

3 years, per year+4.5%+4.6%

Worst drop · 1Y−0.0%−0.0%

Volatility · 1Y0.2%0.3%

2–2measures won
level

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

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

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: BILS, USFR, SGOV, VCIT

Today

[…]holdings […]

BILSUSFRSGOVVCIT

BILS—[…][…][…]

USFR[…]—[…][…]

SGOV[…][…]—[…]

VCIT[…][…][…]—

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

USFR$371 − $15 = $356

BILS$368 − $14 = $354

SGOV$363 − $9 = $354

KeptFee

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