USIN vs. BIL
USIN (WisdomTree 7-10 Year Laddered Treasury Fund) and BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) are both Government Bonds funds - USIN tracks the Bloomberg US Treasury 7-10 Year Laddered Index while BIL tracks the Bloomberg 1-3 Month U.S. Treasury Bill Index. Both are passively managed. Over the past year, USIN returned 4.04% vs 3.87% for BIL. At a correlation of -0.05, they often move in opposite directions. USIN charges 0.15%/yr vs 0.14%/yr for BIL.
Performance
USIN vs. BIL - Performance Comparison
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Returns By Period
In the year-to-date period, USIN achieves a -0.70% return, which is significantly lower than BIL's 1.49% return.
USIN
- 1D
- -0.24%
- 1M
- -0.11%
- YTD
- -0.70%
- 6M
- -1.21%
- 1Y
- 4.04%
- 3Y*
- —
- 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%
USIN vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
USIN WisdomTree 7-10 Year Laddered Treasury Fund | -0.70% | 7.97% | 1.59% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 1.49% | 4.15% | 4.07% |
Correlation
The correlation between USIN and BIL is -0.16, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.16 |
Correlation (All Time) Calculated using the full available price history since Mar 15, 2024 | -0.05 |
The correlation between USIN and BIL shifts across timeframes, from -0.16 (1 year) to -0.05 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
USIN vs. BIL — Risk / Return Rank
USIN
BIL
USIN vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for WisdomTree 7-10 Year Laddered Treasury Fund (USIN) 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.
| USIN | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -18.85 | ||
| Sortino ratioReturn per unit of downside risk | -172.88 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 87.91 | -86.76 |
| Calmar ratioReturn relative to maximum drawdown | 0.99 | 355.35 | -354.36 |
| Martin ratioReturn relative to average drawdown | 2.96 | 2,817.77 | -2,814.81 |
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
| USIN | BIL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.86 | 19.71 | -18.85 |
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 | 0.67 | 2.78 | -2.10 |
Drawdowns
USIN vs. BIL - Drawdown Comparison
The maximum USIN drawdown since its inception was -6.88%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for USIN and BIL.
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Drawdown Indicators
| USIN | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -6.88% | -0.78% | -6.10% |
Max Drawdown (1Y)Largest decline over 1 year | -4.09% | -0.01% | -4.08% |
Max Drawdown (3Y)Largest decline over 3 years | — | -0.01% | — |
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 | -2.85% | 0.00% | -2.85% |
Average DrawdownAverage peak-to-trough decline | -1.86% | -0.26% | -1.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.37% | 0.00% | +1.37% |
Volatility
USIN vs. BIL - Volatility Comparison
WisdomTree 7-10 Year Laddered Treasury Fund (USIN) has a higher volatility of 1.52% compared to SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at 0.05%. This indicates that USIN'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
| USIN | BIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.52% | 0.05% | +1.47% |
Volatility (6M)Calculated over the trailing 6-month period | 3.30% | 0.13% | +3.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.74% | 0.20% | +4.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.86% | 0.26% | +5.60% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.86% | 0.26% | +5.60% |
USIN vs. BIL - Expense Ratio Comparison
USIN has a 0.15% expense ratio, which is higher than BIL's 0.14% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
USIN vs. BIL - Dividend Comparison
USIN's dividend yield for the trailing twelve months is around 3.98%, more 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% |
USIN WisdomTree 7-10 Year Laddered Treasury Fund | 3.98% | 3.85% | 3.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
USIN and BIL have a correlation of -0.16, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USIN has higher volatility (1.52%) compared to BIL (0.05%). In terms of maximum drawdown, USIN dropped -6.88% vs BIL's -0.78%.
On 1-year performance, USIN leads with 4.04% vs 3.87% 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 1-year period, USIN has performed better with a 4.04% return vs 3.87%. 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 0.15% for USIN.
USIN has the higher dividend yield at 3.98%, compared with 3.86% for BIL.
USIN tracks Bloomberg US Treasury 7-10 Year Laddered Index, while BIL tracks Bloomberg 1-3 Month U.S. Treasury Bill Index. They also come from different issuers: WisdomTree and State Street. Their fees differ too: 0.15% for USIN and 0.14% for BIL.
BIL currently has the higher Sharpe Ratio (19.71 vs 0.86), 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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