US Treasury 6 Month Bill ETF (XBIL) Performance
XBIL total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +2.9% since Dec 31, 2025
- 1 year
- +3.6% total return
- 3 years
- +4.5% a year
- Since first price
- +4.6% a year since 2023
XBIL trailing returns vs SPY, QQQ, AGG
| Period | XBIL total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | +0.4% | +0.1% | −1.0% | −5.0% | +0.9% |
| 3 months | +1.0% | +0.0% | +3.2% | +1.9% | −0.4% |
| 6 months | +1.8% | −0.0% | +7.8% | +8.4% | −1.5% |
| YTD | +2.9% | +0.1% | +12.3% | +15.1% | −1.0% |
| 1 year | +3.6% | −0.1% | +14.4% | +15.9% | −1.1% |
| 3 years | +14.0%+4.5%/yr | +0.1% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| Since inceptionMar 7, 2023 | +17.6%+4.6%/yr | +0.2% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: XBIL vs SPY
From Mar 7, 2023: XBIL grew to $11,755, SPY to $20,006.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
XBIL returns by calendar year
2 of 2 full years positive. Best 2024 (+5.2%), worst 2025 (+4.2%). 2026 is year to date.
XBIL annual returns table
| Year | XBIL | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +2.9% | −0.1% | +12.3% | +15.1% | −1.0% |
| 2025 | +4.2% | −0.0% | +17.7% | +20.8% | +7.2% |
| 2024 | +5.2% | −0.1% | +24.9% | +25.6% | +1.3% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
XBIL risk statistics
| Statistic | 3 years | Since 2023 |
|---|---|---|
| Annualized return | +4.5% | +4.5% |
| Volatility (annualized) | 0.3% | 0.3% |
| Sharpe ratio | 0.03 | -0.31 |
| Sortino ratio | 0.05 | -0.39 |
| Best month | +0.5% | +0.5% |
| Worst month | +0.2% | +0.2% |
| Best 12 months | +5.5% | +5.5% |
| Worst 12 months | +3.6% | +3.6% |
| Positive months | 100% | 100% |
| Beta vs S&P 500 | 0.00 | — |
| Correlation with S&P 500 | 0.20 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
XBIL rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 32 | +3.6% | +4.6% | +5.5% | 100% |
| 3-year (a year) | 8 | +4.4% | +4.6% | +4.7% | 100% |
Every holding period starting at a month-end since 2023. Returns for 3 years and longer are annualized.
XBIL performance overview
US Treasury 6 Month Bill ETF (XBIL) returned +3.6% over the past year, with distributions reinvested. Since its first recorded price in 2023 it has returned +4.6% a year, turning $10,000 into about $11,755. Over the same year S&P 500 (SPY) returned +14.4%.
Related: XBIL chart, XBIL dividends. See the XBIL overview for the latest quote and fund facts.
XBIL performance FAQ
What is the XBIL return over the past year?
XBIL returned +3.6% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it fell 0.1%.
How much would $10,000 invested in XBIL be worth?
$10,000 invested in XBIL at its first recorded close on March 7, 2023 would be worth about $11,755 on October 23, 2026 with distributions reinvested.
What was the worst year for XBIL?
The worst calendar year was 2025, with a total return of +4.2%. The best was 2024 at +5.2%.
How volatile is XBIL?
Over the past 3 years XBIL had an annualized volatility of 0.3% and a Sharpe ratio of 0.03 (excess return over 1–3 month T-bills per unit of risk).