BIL vs XLF
State Street SPDR Bloomberg 1-3 Month T-Bill ETF vs State Street Financial Select Sector SPDR ETF
Last updated: 2026-04-02
State Street SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) is an exchange-traded fund issued by State Street that provides exposure to short-duration U.S. Treasury bonds with low interest rate risk. It charges a low expense ratio of 0.14%. The fund offers an attractive dividend yield of 3.95%. Launched in 2007, the fund has a 19-year track record.
State Street Financial Select Sector SPDR ETF (XLF) is an exchange-traded fund issued by State Street that provides exposure to us sector - financials securities. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.60%. Launched in 1998, the fund has a 28-year track record.
Quick Verdict
XLF has a slightly lower expense ratio (0.09% vs 0.14%), saving about $99 per $10,000 over 10 years. BIL has edged ahead over the past year (-0.0% vs -1.3%). Income investors may prefer BIL for its higher yield (4.0% vs 1.6%).
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Which One Should You Choose?
Choose XLF if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose BIL if...
you prioritize dividend income and want higher regular distributions from your portfolio.