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HBIL vs XHLF

HARBOR SHORT TERM TREASURY ETF

HBIL—NYSE Arca

BondBloxx Bloomberg Six Month Target Duration US Treasury ETF

XHLFANYSE Arca

Overlap

No data

Expense ratio

XHLF −0.07pt a year

HBIL0.10%XHLF0.03%

Avg volume · 30D

XHLF 11.6×the volume

HBIL26.6KXHLF309K

HBIL vs XHLF Performance

Sep 30, 2026 – Oct 30, 2026

+0.4%HBIL+0.4%XHLF

Sep 30, 2026 to Oct 30, 2026. HBIL +0.4%. XHLF +0.4%. Use the arrow keys to read each point.0%0.1%0.2%0.3%Sep 30Oct 15Oct 30
Expense ratio
HBIL 0.10%
XHLF 0.03%, better
Fund size
HBIL $6M
XHLF $2.03B
1Y total return
HBIL No data
XHLF +3.6%
Yield (12M)
HBIL No data
XHLF 3.75%
Holdings
HBIL 1
XHLF 29
Avg volume (30D)
HBIL 26.6K sh
XHLF 309K sh, better
NAV per share
HBIL $20.08
XHLF $50.29
52W range

ETF.net Grade

  • —HBILNot yet graded
XHLF: Cost 99, Risk 47, Mission 100, Tradability 79, Holdings 35, Durability 59.
Pillar letters and Scores for HBIL, XHLF, with each pillar’s weight
PillarHBILXHLF
Cost30% weightNot scoredA99
Mission25% weightNot scoredA100
Risk15% weightNot scoredC47
Tradability15% weightNot scoredA79
Holdings10% weightNot scoredD35
Durability5% weightNot scoredB59

Rank among Cash & Ultra-Short Income funds

How we build Categories ›

Cash & Ultra-Short Income⁠

Category · 78 funds
See all 78 ›

XHLF ranks 4th of 78 funds in the Cash & Ultra-Short Income Category.

  1. Rank 4AVBILVanguard 0-3 Month Treasury Bill ETFScore 80
  2. Rank 4AXHLFBondBloxx Bloomberg Six Month Target Duration US Treasury ETFScore 80
  3. Rank 7ASGOViShares 0-3 Month Treasury Bond ETFScore 79
  4. HBILNot yet graded

Our read on each fund

ETF.net Research

HBIL—HARBOR SHORT TERM TREASURY ETF

XHLFABondBloxx Bloomberg Six Month Target Duration US Treasury ETF

In short

HBIL No data

XHLF Most cash-parking funds pick a maturity bucket. XHLF picks a number: it blends Treasury bills to an average duration of about six months, resets to that target monthly, and charges three basis points to do it.

Stated mandate

HBIL No data

XHLF The Fund seeks to track the investment results of an index composed of U.S. Treasury securities.

Why people hold it

HBIL No data

  • XHLF Costs 0.03% a year, against a typical short-Treasury peer near 0.14%. In cash-like funds, where returns come from bills everyone owns, fee is the main lever.
  • Tracks an index built to hold an average duration of roughly six months, rebalanced monthly, so exposure stays anchored instead of drifting as bills mature.bondbloxxetf.com
  • Sits in the gap between 0-3 month bill funds and one-year funds. Its sibling XONE targets a one-year duration at the same 0.03%, so the two can be mixed to dial in duration.
  • US Treasury bills only, no credit bets hiding in the portfolio, run in a multi-billion-dollar fund that has stayed close to its index.

Worth knowing

HBIL No data

  • XHLF Six months of duration is not zero. Prices move a touch more when yields shift than in 0-3 month bill funds such as BIL or CLIP.
  • Income rides whatever Treasury bills happen to pay, and distributions arrive on an irregular rhythm rather than a fixed amount or schedule.
  • Volume is moderate next to the largest bill ETFs, so spreads can be a bit wider, which matters more on big tickets than small ones.

Full HBIL profile⁠

Full XHLF profile⁠

HBIL vs XHLF Holdings

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

HBIL vs XHLF Cost

Overpaying HBIL vs XHLF

$1,468

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • HBIL 0.10%

    $2,106

  • XHLF 0.03%

    $638

$10,000
30 years

Cost over time

  • HBIL 0.10%
  • XHLF 0.03%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$500$1K$1.5K$2K$2.5K051015202530HBIL $2,106XHLF $638

Year by year

YearHBILXHLFOverpaying
10$183$55$128
20$717$216$501
30$2,106$638$1,468

Expense ratio

  • 0.10%HBIL
  • 0.03%XHLF, cheaper
  • Middle half of Cash & Ultra-Short Income funds
  • Median 0.18%

XHLF cheapest of 78 funds

HBIL 13th cheapest of 78 funds

HBIL vs XHLF Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
HBIL No data
XHLF 3.75%
Payout (12M)
HBIL No data
XHLF $1.89
Last payment
HBIL $0.07
XHLF $0.15
Ex-dividend
HBIL Oct 1, 2026
XHLF Oct 1, 2026
Paid on
HBIL Oct 6, 2026
XHLF Oct 6, 2026
Frequency
HBIL Monthly
XHLF Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

HBILMonthly · 2 paymentsAll HBIL payments⁠
One bar per payment. 2 payments from 2023 to 2026 YTD. Sep 1, 2026 $0.02; Oct 1, 2026 $0.07. Use the arrow keys to read each point.$0$0.2520232026YTD
XHLFMonthly · 45 paymentsAll XHLF payments⁠
One bar per payment. 45 payments from 2023 to 2026 YTD. Feb 1, 2023 $0.15; Mar 1, 2023 $0.14; Apr 3, 2023 $0.17; May 1, 2023 $0.14; Jun 1, 2023 $0.22; Jul 3, 2023 $0.15; Aug 1, 2023 $0.21; Sep 1, 2023 $0.22; Oct 2, 2023 $0.19; Nov 1, 2023 $0.22; Dec 1, 2023 $0.21; Dec 28, 2023 $0.23; Feb 1, 2024 $0.23; Mar 1, 2024 $0.20; Apr 1, 2024 $0.22; May 1, 2024 $0.21; Jun 3, 2024 $0.22; Jul 1, 2024 $0.21; Aug 1, 2024 $0.21; Sep 3, 2024 $0.21; Oct 1, 2024 $0.20; Nov 1, 2024 $0.20; Dec 2, 2024 $0.19; Dec 30, 2024 $0.19; Feb 3, 2025 $0.17; Mar 3, 2025 $0.17; Apr 1, 2025 $0.18; May 1, 2025 $0.15; Jun 2, 2025 $0.17; Jul 1, 2025 $0.16; Aug 1, 2025 $0.16; Sep 2, 2025 $0.17; Oct 1, 2025 $0.16; Nov 3, 2025 $0.20; Dec 1, 2025 $0.14; Dec 30, 2025 $0.16; Feb 2, 2026 $0.16; Mar 2, 2026 $0.14; Apr 1, 2026 $0.16; May 1, 2026 $0.15; Jun 1, 2026 $0.15; Jul 1, 2026 $0.15; Aug 3, 2026 $0.15; Sep 1, 2026 $0.16; Oct 1, 2026 $0.15. Use the arrow keys to read each point.$0$0.2520232026YTD

HBIL vs XHLF Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
HBIL No dataXHLF 0.3%
Return per unit of riskSharpe ratio, 3 years
HBIL No dataXHLF −0.52
Worst fallMax drawdown, 5 years
HBIL No dataXHLF −0.1%since Sep 2022
Market sensitivityBeta, 5 years
HBIL 0.00XHLF 0.03

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