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BIL vs BND: Performance & Backtest Comparison
BND delivered the higher return - 3.05% CAGR vs 1.36% - over 2007-06-30 → 2026-06-30.
Growth comparison
Drawdown
Annual returns
| BIL | BND | |
|---|---|---|
| Name | State Street SPDR Bloomberg 1-3 Month T-Bill ETF | Vanguard Total Bond Market ETF |
| CAGR | 1.36% | 3.05% |
| Total return | 29.44% | 77.38% |
| Volatility | 0.56% | 4.55% |
| Max drawdown | -0.42%Oct 2015 | -17.28%Oct 2022 |
| Sharpe | -0.39 | 0.37 |
| Sortino | -0.60 | 0.51 |
| Best year | 5.19% | 8.84% |
| Worst year | -0.13% | -13.11% |
| Final balance | $12,944 | $17,738 |
Correlation of monthly returns: 0.06. 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 2026-06-30, BND performed better: 3.05% annualized versus 1.36% 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 0.06 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 0.56% annualized volatility and a -0.42% max drawdown, versus 4.55% and -17.28% for BND.