What if you'd held BILS?
A $1,000 investment in State Street SPDR Bloomberg 3-12 Month T-Bill ETF (BILS) at the month-end close of 2020-10 would be worth $1,182 at the close of 2026-08 — +18.2% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $2,357.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2020
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2020 | $1,000 | — |
| 2021 | $999 | -0.1% |
| 2022 | $1,008 | +0.9% |
| 2023 | $1,058 | +4.9% |
| 2024 | $1,113 | +5.2% |
| 2025 | $1,160 | +4.2% |
| 2026 | $1,182 | +1.9% |
Best and worst month-end to buy
The best single month-end close to have bought BILS was 2022-06 ($83.86): $1,000 then is $1,184 today. The worst was 2026-07 ($99.42): $1,000 then is $999.
FAQ
What would $1,000 in BILS be worth today?
A $1,000 investment in State Street SPDR Bloomberg 3-12 Month T-Bill ETF (BILS) at the start of 2020 would be worth about $1,182 today, a total return of +18.2%. Dividends are reinvested in these figures.
What were the best and worst years for BILS?
State Street SPDR Bloomberg 3-12 Month T-Bill ETF (BILS)'s strongest calendar year since 2020 was 2024, a +5.2% return — $1,000 held through that year became about $1,052 by year-end. Its weakest year was 2021, at -0.1%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in BILS have grown?
Investing $100 at the end of every month since 2020-10 would have grown to about $7,920 on $7,100 invested.
Did BILS beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $2,357. BILS trailed the S&P 500 by +49.9% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
State Street SPDR Bloomberg 3-12 Month T-Bill ETF (BILS) historical total-return data from 2020-10 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.