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Upturn AI Summary
SPDR® Bloomberg 1-3 Month T-Bill ETF(BIL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BIL
09/28/2026: BIL (1-star) is currently NOT-A-BUY. Pass it for now.
The SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) provides investors with exposure to short-term U.S. Treasury bills, effectively acting as a high-liquidity vehicle for cash management. It is favored for its minimal volatility, institutional-grade backing by the U.S. government, and its ability to generate yield in line with current interest rates. The fund is ideal for conservative investors seeking capital preservation and income rather than growth. Key risks involve changes in monetary policy, where falling rates reduce yield, and inflation risk. It is a highly efficient, liquid, and cost-effective choice for those needing to hold cash in the equity market.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | This fund does not provide capital appreciation beyond current interest rates and lacks growth potential. |
| Momentum investor | Weak fit | The fund's price remains stable and does not offer the volatility or directional trends required for momentum strategies. |
| Value investor | Mixed fit | While the yield represents the risk-free rate, it does not offer the potential for market-beating value returns. |
| Dividend/Income investor | Strong fit | It is an excellent tool for generating monthly income from cash holdings in a rising or high-rate environment. |
| Low-risk investor | Strong fit | The primary exposure to U.S. Treasuries makes it one of the safest instruments available in the equity market for capital preservation. |
Investor Profile
Ideal Investor Profile
The ideal investor is an individual or institution looking for a temporary cash park, capital preservation, or income generation in a high-interest environment.
Suitability
BIL is best suited for conservative investors, those parking cash for short durations, and passive index followers seeking interest rate exposure.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Low / none | The fund exhibits minimal price fluctuations due to the extremely short duration of the underlying bills. |
| Market risk | Low | While minimal, the fund is subject to interest rate risk, where rising rates could affect the yield, though price impact remains negligible. |
| Concentration | Low | The fund is concentrated in U.S. government debt, which is considered the highest quality credit risk globally. |
| Tracking/expense | Low | The fund has a low expense ratio and high correlation to its benchmark, minimizing tracking risk. |
| Liquidity | Low / none | As one of the most liquid ETFs, investors face virtually no risk in executing trades at fair market prices. |
| Business/sector quality | Low / none | The fund invests in U.S. sovereign debt, eliminating traditional corporate default risks. |
Risk Analysis
Volatility
BIL is characterized by extremely low volatility as its price remains pegged closely to its net asset value plus accrued interest.
Market Risk
The primary risks include interest rate risk and the remote possibility of U.S. government credit degradation.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | Short-term U.S. Treasury Bills (1-3 Month) | 99.5 | This provides high-quality, government-backed exposure designed to preserve capital while generating yield based on current interest rates. |
| Cash/collateral | Cash and Cash Equivalents | 0.5 | Small cash balances are maintained to manage liquidity and facilitate the fund's daily operational requirements. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | ETF Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/28/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Sep 27, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $48.09B |
| Issuer | State Street Investment Management |
| Expense Ratio | 0.136% |
| Distribution Yield | 3.76% |
| Inception | May 25, 2007 |
Performance
| Period | Total Return |
|---|---|
| YTD | +2.63% |
| 1 Year | +3.68% |
| 3 Year | +4.48% |
| 5 Year | +3.65% |
| 10 Year | +2.29% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 0.1% |
| 3Y Volatility | 0.22% |
| 3Y Sharpe Ratio | -1.85 |
Ratings
| Metric | Value |
|---|---|
| Morningstar Rating | ★★★★★ |
| Benchmark | BBgBarc US Agg Bond TR USD |
Top Sectors
| Sector | Weight |
|---|---|
| Basic Materials | 0.00% |
| Consumer Cyclicals | 0.00% |
| Financial Services | 0.00% |
| Real Estate | 0.00% |
Asset Allocation
Portfolio Characteristics
| Metric | Value |
|---|---|
| Holdings Turnover | 6.35% |
Top Holdings
| Holding | Weight |
|---|---|
| United States Treasury Bills 0.01% | 6.51% |
| Ssi Us Gov Money Market Class State Street Inst Us Gov | 0.19% |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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