ETF comparison
BIL vs VBIL
Both US Treasury (Short).
State Street SPDR Bloomberg 1-3 Month T-Bill ETF · Vanguard 0-3 Month Treasury Bill ETF
Holdings overlap
20 positions appear in both funds. Buying equal dollars of BIL and VBIL would leave roughly 53.0% 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
VBIL is 8 bps cheaper than BIL. On a $100,000 position that's about $75/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 VBIL.
Top shared holdings
20 shared in total| # | Holding | In BIL | In VBIL | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 10.33% | 5.14% | 5.14% |
| 2 | United States Treasury | 9.28% | 4.47% | 4.47% |
| 3 | United States Treasury | 8.78% | 4.45% | 4.45% |
| 4 | United States Treasury | 6.93% | 3.51% | 3.51% |
| 5 | United States Treasury | 6.98% | 3.50% | 3.50% |
| 6 | United States Treasury | 6.43% | 3.47% | 3.47% |
| 7 | United States Treasury | 6.78% | 3.44% | 3.44% |
| 8 | United States Treasury | 6.79% | 3.40% | 3.40% |
| 9 | United States Treasury | 6.28% | 3.36% | 3.36% |
| 10 | United States Treasury | 5.68% | 3.29% | 3.29% |
| 11 | United States Treasury | 5.30% | 3.05% | 3.05% |
| 12 | United States Treasury | 5.30% | 2.97% | 2.97% |
Only in BIL
1 total- State Street Global Advisors 0.03%
Only in VBIL
6 total- United States Treasury Bill 6.38%
- United States Treasury Bill 5.71%
- United States Treasury Bill 5.47%
- United States Treasury Bill 5.30%
- United States Treasury Bill 5.23%
- United States Treasury Bill 5.15%
Open BIL or VBIL 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.