What if you'd held BIL?
A $1,000 investment in State Street SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at the month-end close of 2007-05 would be worth $1,299 at the close of 2026-09 — +29.9% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $7,275.
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 2026-09, dividends included.
Every year, $1,000 from 2007
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2007 | $1,000 | — |
| 2008 | $1,016 | +1.6% |
| 2009 | $1,019 | +0.3% |
| 2010 | $1,018 | -0.0% |
| 2011 | $1,018 | -0.0% |
| 2012 | $1,017 | -0.0% |
| 2013 | $1,016 | -0.1% |
| 2014 | $1,016 | -0.1% |
| 2015 | $1,014 | -0.1% |
| 2016 | $1,016 | +0.1% |
| 2017 | $1,022 | +0.7% |
| 2018 | $1,040 | +1.7% |
| 2019 | $1,061 | +2.0% |
| 2020 | $1,066 | +0.4% |
| 2021 | $1,065 | -0.1% |
| 2022 | $1,080 | +1.4% |
| 2023 | $1,133 | +4.9% |
| 2024 | $1,192 | +5.2% |
| 2025 | $1,241 | +4.1% |
| 2026 | $1,268 | +2.1% |
Best and worst month-end to buy
The best single month-end close to have bought BIL was 2007-05 ($70.38): $1,000 then is $1,299 today. The worst was 2026-08 ($91.66): $1,000 then is $998.
FAQ
What would $1,000 in BIL be worth today?
A $1,000 investment in State Street SPDR Bloomberg 1-3 Month T-Bill ETF (BIL) at the start of 2007 would be worth about $1,299 today, a total return of +29.9%. Dividends are reinvested in these figures.
What were the best and worst years for BIL?
State Street SPDR Bloomberg 1-3 Month T-Bill ETF (BIL)'s strongest calendar year since 2007 was 2024, a +5.2% return — $1,000 held through that year became about $1,052 by year-end. Its weakest year was 2015, 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 BIL have grown?
Investing $100 at the end of every month since 2007-05 would have grown to about $28,026 on $23,300 invested.
Did BIL beat the S&P 500?
Over the same period, $1,000 in the S&P 500 with dividends reinvested (the S&P 500 Total Return index) would be worth $7,275. BIL trailed the S&P 500 by +82.1% 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 1-3 Month T-Bill ETF (BIL) historical total-return data from 2007-05 to 2026-09, reduced to month-end closes for the tables above.
Returns use adjusted close prices — adjusted for stock splits and reinvested dividends, the same convention used by major brokerages. End-of-day and live prices come from EODHD; parts of the deep historical series are carried over from Yahoo Finance data. 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 (EODHD): 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 EODHD and Yahoo Finance. As of 2026-09-04. Not financial advice.