# State Street SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

- Interactive: https://www.lopjlb.com/vs/BIL/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=BIL%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| BIL | +19.49% | -0.07% | +2.41% |
| SPY | +82.83% | -24.49% | +13.34% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| BIL | +3.74% | +8.37% | +14.20% | +19.49% |
| SPY | +19.97% | +43.10% | +77.98% | +82.83% |

## Annual

| Year | BIL | SPY |
|---|---:|---:|
| YTD | +2.41% | +13.34% |
| 2025 | +4.14% | +18.01% |
| 2024 | +5.20% | +25.59% |
| 2023 | +4.95% | +26.73% |
| 2022 | +1.42% | -18.64% |
| 2021 | -0.02% | +6.05% |

---

Research context only. Not personalized investment advice.