XLYI vs. BIL
XLYI (State Street Consumer Discretionary Select Sector SPDR Premium Income ETF) and BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) are both exchange-traded funds - XLYI 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. XLYI is actively managed, while BIL is passively managed. At a correlation of -0.03, they often move in opposite directions. XLYI charges 0.35%/yr vs 0.14%/yr for BIL.
Performance
XLYI vs. BIL - Performance Comparison
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Returns By Period
In the year-to-date period, XLYI achieves a 0.08% return, which is significantly lower than BIL's 1.82% return.
XLYI
- 1D
- -0.63%
- 1M
- 1.48%
- 6M
- 0.99%
- YTD
- 0.08%
- 1Y
- —
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
BIL
- 1D
- 0.04%
- 1M
- 0.33%
- 6M
- 1.77%
- YTD
- 1.82%
- 1Y
- 3.82%
- 3Y*
- 4.60%
- 5Y*
- 3.48%
- 10Y*
- 2.21%
XLYI vs. BIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF | 0.08% | 5.63% |
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 1.82% | 1.71% |
Correlation
The correlation between XLYI and BIL is -0.03, 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 | -0.03 |
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Return for Risk
XLYI vs. BIL — Risk / Return Rank
XLYI
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
BIL
XLYI vs. BIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Consumer Discretionary Select Sector SPDR Premium Income ETF (XLYI) 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.
| XLYI | BIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | — | |
| Sortino ratioReturn per unit of downside risk | — | — | |
| Omega ratioGain probability vs. loss probability | — | 87.94 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 355.51 | — |
| Martin ratioReturn relative to average drawdown | — | 2,818.99 | — |
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Drawdowns
XLYI vs. BIL - Drawdown Comparison
The maximum XLYI drawdown since its inception was -12.32%, which is greater than BIL's maximum drawdown of -0.78%. Use the drawdown chart below to compare losses from any high point for XLYI and BIL.
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Drawdown Indicators
| XLYI | BIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -12.32% | -0.78% | -11.54% |
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 | -3.49% | 0.00% | -3.49% |
Average DrawdownAverage peak-to-trough decline | -3.13% | -0.26% | -2.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | — | 0.00% | — |
Volatility
XLYI vs. BIL - Volatility Comparison
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Volatility by Period
| XLYI | 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 | 15.74% | 0.20% | +15.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.74% | 0.26% | +15.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.74% | 0.26% | +15.48% |
XLYI vs. BIL - Expense Ratio Comparison
XLYI has a 0.35% expense ratio, which is higher than BIL's 0.14% expense ratio.
Dividends
XLYI vs. BIL - Dividend Comparison
XLYI's dividend yield for the trailing twelve months is around 14.74%, more than BIL's 3.82% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
BIL SPDR Bloomberg 1-3 Month T-Bill ETF | 3.82% | 4.13% | 5.03% | 4.92% | 1.35% | 0.00% | 0.30% | 2.05% | 1.66% | 0.68% | 0.07% |
XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF | 14.74% | 6.76% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
XLYI and BIL have a correlation of -0.03, 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 XLYI.
XLYI has the higher dividend yield at 14.74%, compared with 3.82% for BIL.
XLYI is categorized as Derivative Income, while BIL is Government Bonds. Their fees differ too: 0.35% for XLYI and 0.14% for BIL.
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