BIL vs XLE
State Street SPDR Bloomberg 1-3 Month T-Bill ETF vs State Street Energy Select Sector SPDR ETF
Last updated: 2026-04-10
State Street SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) is an exchange-traded fund issued by SPDR 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 Energy Select Sector SPDR ETF (XLE) is an exchange-traded fund issued by SPDR that provides exposure to us sector - energy securities. It charges a low expense ratio of 0.08%. The fund offers an attractive dividend yield of 2.62%. Launched in 1998, the fund has a 28-year track record.
Quick Verdict
XLE has a slightly lower expense ratio (0.08% vs 0.14%), saving about $119 per $10,000 over 10 years. Over the past year, XLE has significantly outperformed with a 47.9% return vs -0.0%. Income investors may prefer BIL for its higher yield (4.0% vs 2.6%).
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
Top Holdings
XLE Top Holdings
| Name | Weight |
|---|---|
| Exxon Mobil CorporationXOM | 23.09% |
| Chevron CorporationCVX | 17.03% |
| ConocoPhillipsCOP | 7.23% |
| SLB N.V.SLB | 4.33% |
| The Williams Companies, Inc.WMB | 4.30% |
| EOG Resources, Inc.EOG | 4.21% |
| Valero Energy CorporationVLO | 4.08% |
| Marathon Petroleum CorporationMPC | 3.82% |
| Phillips 66PSX | 3.78% |
| Kinder Morgan, Inc.KMI | 3.60% |
Which One Should You Choose?
Choose XLE if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose XLE if...
recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.
Choose BIL if...
you prioritize dividend income and want higher regular distributions from your portfolio.