XLCI vs. BIL
XLCI (State Street Communication Services Select Sector SPDR Premium Income ETF) and BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) are both exchange-traded funds - XLCI is a Derivative Income fund actively managed by State Street, while BIL is a Government Bonds fund tracking the Bloomberg 1-3 Month U.S. Treasury Bill Index. XLCI is actively managed, while BIL is passively managed. Over the past year, XLCI returned 4.28% vs 3.76% for BIL. Their -0.05 correlation means they have often moved in opposite directions in the past. XLCI charges 0.35%/yr vs 0.14%/yr for BIL.
Performance
XLCI vs. BIL - Performance Comparison
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Returns By Period
In the year-to-date period, XLCI achieves a -2.58% return, which is significantly lower than BIL's 2.08% return.
XLCI
- 1D
- 1.54%
- 1M
- -0.56%
- 6M
- -4.49%
- YTD
- -2.58%
- 1Y
- 4.28%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 3.98%
BIL
- 1D
- 0.03%
- 1M
- 0.26%
- 6M
- 1.78%
- YTD
- 2.08%
- 1Y
- 3.76%
- 3Y*
- 4.56%
- 5Y*
- 3.54%
- 10Y*
- 2.24%
- ALL TIME*
- 1.37%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $778.54M | $838.53M | $900.58M | |
| $102.51K | $79.36K | $72.31K |
XLCI vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLCI State Street Communication Services Select Sector SPDR Premium Income ETF | -2.58% | 6.73% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 2.08% | 1.71% |
Correlation
The correlation between XLCI and BIL is -0.05, meaning there was essentially no consistent relationship between their historical price movements. Each responded to its own set of market drivers.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | -0.05 |
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025 | -0.05 |
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Return for Risk
XLCI vs. BIL — Risk / Return Rank
XLCI
BIL
XLCI vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Communication Services Select Sector SPDR Premium Income ETF (XLCI) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| XLCI | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -18.84 | ||
| Sortino ratioReturn per unit of downside risk | -152.67 | ||
| Omega ratioGain probability vs. loss probability | 1.06 | 69.35 | -68.29 |
| Calmar ratioReturn relative to maximum drawdown | 0.42 | 349.28 | -348.86 |
| Martin ratioReturn relative to average drawdown | 1.23 | 2,476.90 | -2,475.67 |
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Drawdowns
XLCI vs. BIL - Drawdown Comparison
The maximum XLCI drawdown since its inception was -8.44%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for XLCI and BIL.
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Drawdown Indicators
| XLCI | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -8.44% | -0.78% | -7.66% |
Max Drawdown (1Y)Largest decline over 1 year | -8.44% | -0.01% | -8.43% |
Max Drawdown (3Y)Largest decline over 3 years | — | -0.01% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -0.08% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -0.21% | — |
Current DrawdownCurrent decline from peak | -5.54% | 0.00% | -5.54% |
Average DrawdownAverage peak-to-trough decline | -2.06% | -0.26% | -1.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.86% | 0.00% | +2.86% |
Volatility
XLCI vs. BIL - Volatility Comparison
State Street Communication Services Select Sector SPDR Premium Income ETF (XLCI) has a higher volatility of 5.62% compared to SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at 0.07%. This indicates that XLCI'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
| XLCI | BIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.62% | 0.07% | +5.55% |
Volatility (6M)Calculated over the trailing 6-month period | 10.27% | 0.14% | +10.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.32% | 0.20% | +12.12% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.29% | 0.26% | +12.03% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.29% | 0.26% | +12.03% |
XLCI vs. BIL - Expense Ratio Comparison
XLCI has a 0.35% expense ratio, which is higher than BIL's 0.14% expense ratio.
Dividends
XLCI vs. BIL - Dividend Comparison
XLCI's dividend yield for the trailing twelve months is around 11.73%, more than BIL's 3.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 3.46% | 4.13% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% |
XLCI State Street Communication Services Select Sector SPDR Premium Income ETF | 11.73% | 5.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
XLCI and BIL have a correlation of -0.05, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
XLCI has higher volatility (5.62%) compared to BIL (0.07%). In terms of maximum drawdown, XLCI dropped -8.44% vs BIL's -0.78%.
On 1-year performance, XLCI leads with 4.28% vs 3.76% for BIL. On fees, BIL is cheaper at 0.14% per year. On volatility, BIL has been the lower-risk option at 0.07%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, XLCI has performed better with a 4.28% return vs 3.76%. 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 0.35% for XLCI.
XLCI has the higher dividend yield at 11.73%, compared with 3.46% for BIL.
XLCI is categorized as Derivative Income, while BIL is Government Bonds. Their fees differ too: 0.35% for XLCI and 0.14% for BIL.
BIL currently has the higher Sharpe Ratio (19.13 vs 0.29), 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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