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
9 positions appear in both funds. Buying equal dollars of BIL and SGOV would leave roughly 17.4% of each dollar exposed to the same underlying securities.
Unmatched is the part of a fund's weight the other fund doesn't match: names only it holds, plus any extra weight it puts in names both funds hold.
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
9 shared in total| # | Holding | In BIL | In SGOV | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 12.04% | 4.58% | 4.58% |
| 2 | United States Treasury | 6.49% | 4.37% | 4.37% |
| 3 | United States Treasury | 7.22% | 3.67% | 3.67% |
| 4 | United States Treasury | 6.85% | 2.24% | 2.24% |
| 5 | United States Treasury | 0.69% | 5.08% | 0.69% |
| 6 | United States Treasury | 0.68% | 8.33% | 0.68% |
| 7 | United States Treasury | 0.45% | 0.81% | 0.45% |
| 8 | United States Treasury | 0.43% | 4.91% | 0.43% |
| 9 | United States Treasury | 0.28% | 6.76% | 0.28% |
Only in BIL
13 total- United States Treasury 9.04%
- United States Treasury 7.03%
- United States Treasury 6.98%
- United States Treasury 6.97%
- United States Treasury 6.00%
- United States Treasury 5.82%
- United States Treasury 5.57%
- United States Treasury 4.67%
- United States Treasury 2.80%
- United States Treasury 2.69%
Only in SGOV
13 total- United States of America 10.14%
- United States of America 8.64%
- United States of America 8.54%
- United States of America 7.09%
- United States of America 6.87%
- United States of America 5.99%
- United States of America 4.57%
- United States of America 4.46%
- United States of America 4.10%
- United States of America 3.73%
Related comparisons
More comparisons with BIL
- BIL vs TBIL · F/m US Treasury 3 Month Bill Fund - ETF Class Shares 7.2%
- BIL vs AGG · iShares Core U.S. Aggregate Bond ETF 0.0%
- BIL vs BND · Vanguard Total Bond Market Index Fund ETF Shares 0.0%
- BIL vs BNDX · Vanguard Total International Bond Index Fund ETF Shares 0.0%
- BIL vs GOVT · iShares U.S. Treasury Bond ETF 0.0%
- BIL vs SCHO · Schwab Short-Term U.S. Treasury ETF 0.0%
More comparisons with SGOV
- SGOV vs TBIL · F/m US Treasury 3 Month Bill Fund - ETF Class Shares 3.7%
- SGOV vs AGG · iShares Core U.S. Aggregate Bond ETF 0.0%
- SGOV vs BND · Vanguard Total Bond Market Index Fund ETF Shares 0.0%
- SGOV vs BNDX · Vanguard Total International Bond Index Fund ETF Shares 0.0%
- SGOV vs GOVT · iShares U.S. Treasury Bond ETF 0.0%
- SGOV vs SCHO · Schwab Short-Term U.S. Treasury ETF 0.0%
Percentages are holdings overlap with the named fund.
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.