ETF comparison
BIL vs SGOV
Both US Treasury (Short).
State Street SPDR Bloomberg 1-3 Month T-Bill ETF · iShares 0-3 Month Treasury Bond ETF
Holdings overlap
7 positions appear in both funds. Buying equal dollars of BIL and SGOV would leave roughly 18.0% of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
SGOV is 5 bps cheaper than BIL. On a $100,000 position that's about $45/yr more in fees for BIL.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with BIL vs SGOV.
Top shared holdings
7 shared in total| # | Holding | In BIL | In SGOV | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 10.33% | 4.39% | 4.39% |
| 2 | United States Treasury | 9.28% | 4.01% | 4.01% |
| 3 | United States Treasury | 6.43% | 3.56% | 3.56% |
| 4 | United States Treasury | 6.93% | 3.39% | 3.39% |
| 5 | United States Treasury | 1.56% | 1.70% | 1.56% |
| 6 | United States Treasury | 0.70% | 8.60% | 0.70% |
| 7 | United States Treasury | 0.35% | 6.67% | 0.35% |
Only in BIL
14 total- United States Treasury 8.78%
- United States Treasury 6.98%
- United States Treasury 6.79%
- United States Treasury 6.78%
- United States Treasury 6.28%
- United States Treasury 5.68%
- United States Treasury 5.30%
- United States Treasury 5.30%
- United States Treasury 2.60%
- United States Treasury 2.54%
Only in SGOV
16 total- United States of America 10.91%
- United States of America 9.88%
- United States of America 9.15%
- United States of America 8.60%
- United States of America 6.48%
- United States of America 6.37%
- United States of America 5.43%
- United States of America 5.37%
- United States of America 5.26%
- United States of America 4.00%
Open BIL or SGOV at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.