XLFI vs. BIL
XLFI (State Street Financial Select Sector SPDR Premium Income ETF) and BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) are both exchange-traded funds - XLFI 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. XLFI is actively managed, while BIL is passively managed. At a correlation of -0.06, they often move in opposite directions. XLFI charges 0.35%/yr vs 0.14%/yr for BIL.
Performance
XLFI vs. BIL - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with XLFI having a 2.02% return and BIL slightly lower at 1.97%.
XLFI
- 1D
- -0.25%
- 1M
- 3.26%
- 6M
- 3.23%
- YTD
- 2.02%
- 1Y
- —
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- —
BIL
- 1D
- 0.00%
- 1M
- 0.29%
- 6M
- 1.77%
- YTD
- 1.97%
- 1Y
- 3.77%
- 3Y*
- 4.57%
- 5Y*
- 3.51%
- 10Y*
- 2.23%
- ALL TIME*
- 1.37%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $791.88M | $903.77M | $911.47M | |
| $244.84K | $211.10K | $172.61K |
XLFI vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLFI State Street Financial Select Sector SPDR Premium Income ETF | 2.02% | 5.40% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 1.97% | 1.71% |
Correlation
The correlation between XLFI and BIL is -0.06, 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 (All Time) Calculated using the full available price history since Jul 30, 2025 | -0.06 |
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Return for Risk
XLFI vs. BIL — Risk / Return Rank
XLFI
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
BIL
XLFI vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Financial Select Sector SPDR Premium Income ETF (XLFI) 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.
| XLFI | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | — | |
| Sortino ratioReturn per unit of downside risk | — | — | |
| Omega ratioGain probability vs. loss probability | — | 68.75 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 346.15 | — |
| Martin ratioReturn relative to average drawdown | — | 2,454.74 | — |
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Drawdowns
XLFI vs. BIL - Drawdown Comparison
The maximum XLFI drawdown since its inception was -11.89%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for XLFI and BIL.
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Drawdown Indicators
| XLFI | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -11.89% | -0.78% | -11.11% |
Max Drawdown (1Y)Largest decline over 1 year | — | -0.01% | — |
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 | -0.81% | 0.00% | -0.81% |
Average DrawdownAverage peak-to-trough decline | -3.08% | -0.26% | -2.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | — | 0.00% | — |
Volatility
XLFI vs. BIL - Volatility Comparison
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Volatility by Period
| XLFI | BIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | — | 0.07% | — |
Volatility (6M)Calculated over the trailing 6-month period | — | 0.14% | — |
Volatility (1Y)Calculated over the trailing 1-year period | 11.86% | 0.20% | +11.66% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.86% | 0.26% | +11.60% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.86% | 0.26% | +11.60% |
XLFI vs. BIL - Expense Ratio Comparison
XLFI has a 0.35% expense ratio, which is higher than BIL's 0.14% expense ratio.
Dividends
XLFI vs. BIL - Dividend Comparison
XLFI's dividend yield for the trailing twelve months is around 11.42%, 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 | 3.81% | 4.13% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% |
XLFI State Street Financial Select Sector SPDR Premium Income ETF | 11.42% | 5.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
XLFI and BIL have a correlation of -0.06, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, BIL is cheaper at 0.14% per year. The better choice depends on whether you care most about return, fees, risk, or income.
BIL is cheaper with a 0.14% expense ratio, compared with 0.35% for XLFI.
XLFI has the higher dividend yield at 11.42%, compared with 3.81% for BIL.
XLFI is categorized as Derivative Income, while BIL is Government Bonds. Their fees differ too: 0.35% for XLFI and 0.14% for BIL.
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