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State Street® SPDR® Bloomberg 3-12 Month T-Bill ETF

SPDR · US78468R5239

State Street® SPDR® Bloomberg 3-12 Month T-Bill ETF is an exchange-traded fund (ETF) from SPDR, traded under the ticker BILS (ISIN US78468R5239). It lets you buy a basket of holdings in a single trade, spreading your money across them rather than one company. In plain terms it is about very short-term, cash-like instruments, aimed at protecting your money and earning…

· Tracks the Bloomberg 3-12 Month U.S. Treasury Bill Index index ?

Money Market ?Unknown Physical ?United States ?

Low yearly feeOwns the shares directlyUnited States

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SPDR funds Domiciled in United States Unknown Physically replicated United States cash-like Yearly fee under 0.25%

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Fund size (AUM) ?

€3.3B

1-year return ?

-0.0%

Price Return · to 2026-08-19

Yearly fee (TER) ?

0.14%

All-in cost ≈ 0.00%

About this fund

What you own

The Bloomberg 3-12 Month U.S. Treasury Bill Index index is the benchmark this fund aims to copy. By holding it, this fund gives you a stake in around 25 companies across United States in a single purchase.

How it works

The fund actually buys every share in the index it tracks (full replication).

Owning every holding keeps things transparent — what is in the index is what the fund actually owns. It can be a touch costlier to run for indexes with thousands of tiny positions, since the fund has to buy and maintain them all. There is no swap bank involved, so there is no extra “what if the partner fails” question to weigh.

Cost

0.14%Yearly fee (TER)

0.00%All-in cost

The yearly running cost of the fund, shown as a % of your money. Lower is cheaper.

For example, a 0.20% fee works out at €0.20 a year for every €100 invested — that’s a generic illustration of the mechanic, not this fund’s own fee. It is skimmed quietly from inside the fund a little each day, so you never get a bill — but it drags on your return every year you hold. On a broad index ETF it is usually a small fraction of a percent; the gap between a cheap and a pricey fund looks tiny on day one but compounds over decades, which is why it is worth a glance.

Fund facts

Index tracked ?

Bloomberg 3-12 Month U.S. Treasury Bill Index

Replication ?

Physical

Full — buys every share

Launched

Sep 2020

6-year track record

Performance

Growth of $100 invested — both lines start at $100.

State Street® SPDR® Bloomberg 3-12 Month T-Bill ETF Average Bloomberg 3-12 Month U.S. Treasury Bill Index ETF (funds we track) ?

Compared with the average fund tracking the same index — our own data, not the licensed index itself.

YTD+0.1%

1 year-0.0%

3 years+0.0%

5 years-0.1%

Return, year by year

-0.7

-0.2

+0.0

+0.1

'22'23'24'25

2 of 4 up yearsBest: 2025 +0.1%Worst: 2022 -0.7%Calendar-year total returns, in USD

How bumpy has it been?

1.1%

Volatility (1y) ?

How much the price swings year to year — lower is calmer.

-0.6%

Worst drop (3y) ?

The biggest fall from a peak over the last three years.

0.01

Return for the risk (3y) ?

Reward earned per unit of bumpiness.

The bigger picture

-0.7%

Since inception

Total growth since launch — about -0.1% a year.

+0.5%

Best 12 months

The strongest one-year stretch on record.

-0.9%

Worst 12 months

The weakest one-year stretch on record.

-1.2%

Worst fall on record ?

It has not fully recovered yet.

What's inside

The 10 biggest holdings make up 28.3% of the fund.

Top 10 holdings

#	Company	Weight
12	TREASURY BILL 01/27 0.00000	4.3%
16	TREASURY BILL 12/26 0.00000	3.9%
18	TREASURY BILL 11/26 0.00000	3.8%
19	TREASURY BILL 05/27 0.00000	2.9%
20	TREASURY BILL 07/27 0.00000	2.8%
21	TREASURY BILL 06/27 0.00000	2.8%
22	TREASURY BILL 03/27 0.00000	2.7%
23	TREASURY BILL 02/27 0.00000	2.5%
24	TREASURY BILL 04/27 0.00000	2.4%
25	SSI US GOV MONEY MARKET CLASS	0.1%

Where to buy this fund

Where you live:

Set from your language & location — change it if it's wrong.

Where it trades

Exchange	Ticker	Currency
NYSE	BILS	USD	★ Primary
USD listings
E1	BILSUSD	USD
EO	BILSUSD	USD
EU	BILSUSD	USD
MF	BILS*	USD
MM	BILS*	USD
MU	BILS*	USD
NYSE Arca	BILS	USD
OC	BILS	USD
UA	BILS	USD
UB	BILS	USD
UC	BILS	USD
UD	BILS	USD
UF	BILS	USD
UM	BILS	USD
US	BILS	USD
UT	BILS	USD
UX	BILS	USD
VF	BILS	USD
VG	BILS	USD
VJ	BILS	USD
VK	BILS	USD
VL	BILS	USD
VP	BILS	USD
VT	BILS	USD
VY	BILS	USD
X1	BILSUSD	USD
X2	BILSUSD	USD
XA	BILSUSD	USD
XE	BILSUSD	USD
XF	BILSUSD	USD
XG	BILSUSD	USD
XH	BILSUSD	USD
XJ	BILSUSD	USD
XL	BILSUSD	USD
XO	BILSUSD	USD
XQ	BILSUSD	USD
XT	BILSUSD	USD
XU	BILSUSD	USD
XV	BILSUSD	USD
XW	BILSUSD	USD
XX	BILSUSD	USD
XY	BILSUSD	USD
XZ	BILSUSD	USD

For serious comparison — full data holdings, percentiles, advanced risk, tilt, flows

Full holdings

As of 2026-08-19 · the fund's own published holdings.

#	Company	Weight
12	TREASURY BILL 01/27 0.00000	4.3%
16	TREASURY BILL 12/26 0.00000	3.9%
18	TREASURY BILL 11/26 0.00000	3.8%
19	TREASURY BILL 05/27 0.00000	2.9%
20	TREASURY BILL 07/27 0.00000	2.8%
21	TREASURY BILL 06/27 0.00000	2.8%
22	TREASURY BILL 03/27 0.00000	2.7%
23	TREASURY BILL 02/27 0.00000	2.5%
24	TREASURY BILL 04/27 0.00000	2.4%
25	SSI US GOV MONEY MARKET CLASS	0.1%

⭳ Download full holdings (CSV)

How it ranks vs peers

🪙 Cheaper than 33% of similar ETFs📈 Higher 1-yr return than 38%📈 Higher 3-yr return than 20%📈 Higher 5-yr return than 25%📊 Behind its category by 5.8% (1-yr) (category average +5.7%)📊 Behind its category by 3.0% (3-yr) (category average +3.0%)📊 Behind its category by 3.1% (5-yr) (category average +3.0%)

Versus the Money market · United States · USD ETFs we track.

Advanced risk

0.01

Sortino (3y) ?

0.02

Calmar (3y) ?

1.0%

Downside deviation ?

33%

Up months (hit rate) ?

$99.52

52-week high ?

$99.08

52-week low ?

Concentration depth

~22 ?

Effective number of holdings

Roughly 25 companies are held, but the largest names carry most of the weight — so it behaves like ~22 equal-sized positions.

Similar funds

We found 6 funds that do much the same job as this one. To pick them we matched this fund's asset class and region, then show how close each match is below.

Matched on🌍 United States cash-like

Compare side by side

6 similar funds

	State Street® SPDR® Bloomberg 3-12 Month T-Bill ETFSPDRYou're viewing	State Street® SPDR® Bloomberg 1-3 Month T-Bill ETFSPDRBroader match	iShares $ Treasury Bond 0-1yr UCITS ETFiSharesBroader match	iShares $ Treasury Bond 0-1yr UCITS ETFiSharesBroader match	iShares $ Treasury Bond 0-3 Month UCITS ETFiSharesBroader match	iShares $ Treasury Bond 0-3 Month UCITS ETFiSharesBroader match	State Street® SPDR® Bloomberg Short Term High Yield Bond ETFSPDRBroader match
Why it's similar	This is the fund on this page.	Cash-likeUnknownPhysicalCheaper fee Tracks a different index in the same category.	Cash-likePhysicalCheaper fee Tracks a different index in the same category.	Cash-likePhysicalCheaper fee Tracks a different index in the same category.	Cash-likePhysicalCheaper fee Tracks a different index in the same category.	Cash-likePhysicalCheaper fee Tracks a different index in the same category.	Cash-likeUnknownPhysical Tracks a different index in the same category.
Index tracked	Bloomberg 3-12 Month U.S. Treasury Bill Index	Bloomberg 1-3 Month U.S. Treasury Bill Index	ICE U.S. Treasury Short Bond Index	ICE U.S. Treasury Short Bond Index	ICE 0-3 Month US Treasury Bill Index	ICE 0-3 Month US Treasury Bill Index	Bloomberg US High Yield 350mn Cash Pay 0-5 Yr 2% Capped Index
Yearly fee (TER)	0.14%	0.14%	0.07%	0.07%	0.07%	0.07%	0.40%
All-in cost	0.00%	0.00%	0.07%	0.07%	0.07%	0.07%	0.00%
Fund size	€3.3B	€40B	€23.3B	€22.9B	€5.7B	€5.6B	€4.1B
Domicile	United States	United States	Ireland	Ireland	Ireland	Ireland	United States
Replication	Physical (full)	Physical (full)	Physical (full)	Physical (full)	Physical (full)	Physical (full)	Physical (full)
3-yr return p.a.	+0.0%	-0.0%	+4.7%				+0.5%
5-yr return p.a.	-0.1%	+0.0%	+88.1%				-1.8%
# holdings	25	20	66	66	30	30	1,142

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Data as of 2026-08-19 · Source: issuer data, compiled by Finance Hamster

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