BIL vs QQQ: which was the better investment?
SPDR Bloomberg 1-3 Month T-Bill ETF against Invesco QQQ Trust on real daily total-return data — every dividend reinvested, from May 30, 2007 to Jul 13, 2026.
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Frequently asked questions
Did BIL beat QQQ?
No — measured from May 30, 2007 to Jul 13, 2026 with dividends reinvested, QQQ came out ahead: $175,965 versus $12,963 from a $10,000 start. That gap compounds from a 16.2% annual return against 1.4%.
What would $10,000 in BIL be worth today?
$10,000 invested in SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) on May 30, 2007 would be worth about $12,963 as of Jul 13, 2026, a total return of 29.6% (1.4% per year). The same $10,000 in QQQ would be worth $175,965.
Which was riskier — BIL or QQQ?
BIL swung with an annualized volatility of 0.5% and a worst peak-to-trough drop of -0.8%; QQQ ran at 22.4% volatility with a -53.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -1.30 for BIL vs 0.63 for QQQ.
What data is this comparison based on?
Daily adjusted closing prices covering May 30, 2007 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with BIL vs QQQ. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.