UDI vs. BIL
UDI (USCF ESG Dividend Income Fund) and BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) are both exchange-traded funds - UDI is a Large Cap Value Equities fund actively managed by USCF Advisers, while BIL is a Government Bonds fund tracking the Bloomberg 1-3 Month U.S. Treasury Bill Index. UDI is actively managed, while BIL is passively managed. Over the past 3 years, UDI returned 16.39%/yr vs 4.64%/yr for BIL. At a correlation of -0.07, they often move in opposite directions. UDI charges 0.65%/yr vs 0.14%/yr for BIL.
Performance
UDI vs. BIL - Performance Comparison
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Returns By Period
In the year-to-date period, UDI achieves a 9.46% return, which is significantly higher than BIL's 1.49% return.
UDI
- 1D
- -0.16%
- 1M
- 1.43%
- YTD
- 9.46%
- 6M
- 11.05%
- 1Y
- 21.78%
- 3Y*
- 16.39%
- 5Y*
- —
- 10Y*
- —
BIL
- 1D
- 0.02%
- 1M
- 0.28%
- YTD
- 1.49%
- 6M
- 1.77%
- 1Y
- 3.87%
- 3Y*
- 4.64%
- 5Y*
- 3.41%
- 10Y*
- 2.18%
UDI vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|---|
UDI USCF ESG Dividend Income Fund | 9.46% | 14.23% | 17.07% | 6.35% | 3.81% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 1.49% | 4.15% | 5.19% | 4.94% | 1.35% |
Correlation
The correlation between UDI and BIL is -0.09, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.09 |
Correlation (3Y) Calculated over the trailing 3-year period | -0.07 |
Correlation (All Time) Calculated using the full available price history since Jun 9, 2022 | -0.07 |
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Return for Risk
UDI vs. BIL — Risk / Return Rank
UDI
BIL
UDI vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USCF ESG Dividend Income Fund (UDI) and SPDR Bloomberg 1-3 Month T-Bill ETF (BIL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| UDI | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -17.56 | ||
| Sortino ratioReturn per unit of downside risk | -171.09 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 87.91 | -86.54 |
| Calmar ratioReturn relative to maximum drawdown | 3.87 | 355.35 | -351.49 |
| Martin ratioReturn relative to average drawdown | 14.72 | 2,817.77 | -2,803.05 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| UDI | BIL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.15 | 19.71 | -17.56 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | 13.16 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 8.52 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.92 | 2.78 | -1.86 |
Drawdowns
UDI vs. BIL - Drawdown Comparison
The maximum UDI drawdown since its inception was -14.17%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for UDI and BIL.
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Drawdown Indicators
| UDI | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.17% | -0.78% | -13.39% |
Max Drawdown (1Y)Largest decline over 1 year | -5.66% | -0.01% | -5.65% |
Max Drawdown (3Y)Largest decline over 3 years | -14.17% | -0.01% | -14.16% |
Max Drawdown (5Y)Largest decline over 5 years | — | -0.10% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -0.21% | — |
Current DrawdownCurrent decline from peak | -0.97% | 0.00% | -0.97% |
Average DrawdownAverage peak-to-trough decline | -3.07% | -0.26% | -2.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.48% | 0.00% | +1.48% |
Volatility
UDI vs. BIL - Volatility Comparison
USCF ESG Dividend Income Fund (UDI) has a higher volatility of 2.67% compared to SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at 0.05%. This indicates that UDI's price experiences larger fluctuations and is considered to be riskier than BIL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UDI | BIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.67% | 0.05% | +2.62% |
Volatility (6M)Calculated over the trailing 6-month period | 6.95% | 0.13% | +6.82% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.19% | 0.20% | +9.99% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.04% | 0.26% | +13.78% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.04% | 0.26% | +13.78% |
UDI vs. BIL - Expense Ratio Comparison
UDI has a 0.65% expense ratio, which is higher than BIL's 0.14% expense ratio.
Dividends
UDI vs. BIL - Dividend Comparison
UDI's dividend yield for the trailing twelve months is around 2.49%, less than BIL's 3.86% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 3.86% | 4.13% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% |
UDI USCF ESG Dividend Income Fund | 2.49% | 2.42% | 5.33% | 2.61% | 1.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
UDI and BIL have a correlation of -0.09, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UDI has higher volatility (2.67%) compared to BIL (0.05%). In terms of maximum drawdown, UDI dropped -14.17% vs BIL's -0.78%.
On 3-year performance, UDI leads with 16.39% vs 4.64% for BIL. On fees, BIL is cheaper at 0.14% per year. On volatility, BIL has been the lower-risk option at 0.05%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 3-year period, UDI has performed better with a 16.39% return vs 4.64%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
BIL is cheaper with a 0.14% expense ratio, compared with 0.65% for UDI.
BIL has the higher dividend yield at 3.86%, compared with 2.49% for UDI.
UDI is categorized as Large Cap Value Equities, while BIL is Government Bonds. They also come from different issuers: USCF Advisers and State Street. Their fees differ too: 0.65% for UDI and 0.14% for BIL.
BIL currently has the higher Sharpe Ratio (19.71 vs 2.15), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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