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BIL vs BND: Performance & Backtest Comparison
BND delivered the higher return - 2.68% CAGR vs 1.03% - over 2007-06-30 → 2026-07-31.
Growth comparison
Drawdown
Annual returns
| BIL | BND | |
|---|---|---|
| Name | State Street SPDR Bloomberg 1-3 Month T-Bill ETF | Vanguard Total Bond Market ETF |
| CAGR | 1.03% | 2.68% |
| Total return | 21.79% | 65.93% |
| Volatility | 0.49% | 4.57% |
| Max drawdown | -0.42%Oct 2015 | -20.63%Oct 2023 |
| Sharpe | -1.01 | 0.29 |
| Sortino | -1.00 | 0.39 |
| Best year | 4.15% | 8.83% |
| Worst year | -0.13% | -14.69% |
| Final balance | $12,179 | $16,593 |
Correlation of monthly returns: 0.09. Wondering if you need both? Check their fund overlap →
All figures are total returns: every dividend and distribution is reinvested on its ex-date, and prices are split-adjusted. See the methodology.
Frequently asked questions
Which has performed better, BIL or BND?
Over 2007-06-30 to 2026-07-31, BND performed better: 2.68% annualized versus 1.03% for BIL, with dividends reinvested. Past performance does not guarantee future results.
How similar are BIL and BND?
Their monthly returns have a correlation of 0.09 over the common period. BIL is State Street SPDR Bloomberg 1-3 Month T-Bill ETF; BND is Vanguard Total Bond Market ETF.
Which is riskier, BIL or BND?
Over the common period BIL had 0.49% annualized volatility and a -0.42% max drawdown, versus 4.57% and -20.63% for BND.