All charts and data below are CPI-U inflation-adjusted and with dividends reinvested. (Why?)

Total Real Returns

VBIL: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

VBIL real return snapshot: after CPI-U inflation, VBIL returned +0.21% over the past year and −1.23% YTD, with dividends reinvested. Since Feb. 11, 2025, VBIL is up +0.59% in real purchasing-power return, or +0.41%/yr, and is currently −1.24% below its real total-return high on Jan. 2, 2026.

Data ending Wed Jul. 22, 2026

Growth of $10,000

Tue 2025-02-11💬 to Wed 2026-07-22 Overall
Return 		Exponential
Trendline
VBIL × 		+0.59%
+0.41%/yr 		+0.59%/yr
R2=0.172
Vanguard 0-3 Month Treasury Bill ETF NASDAQ Exchange-Traded Fund

Growth of $10,000 Summary

Tue 2025-02-11💬 to Wed 2026-07-22 Start
Value 		End
Value
VBIL × 		$10,000.00
2025-02-11 		$10,058.81
2026-07-22

This Year’s Performance

through 2026-07-22

  YTD YoY
VBIL × 		−1.23% +0.21%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
VBIL × 		−1.24%
on 2026-07-22
from 2026-01-02 peak 		−1.87%
on 2026-06-01
from 2026-01-02 peak

Rolling Returns

Period ending Wed 2026-07-22 1 yr 2 yr 3 yr 5 yr 10 yr
VBIL × 		+0.21% — — — —

Annual Returns

Year VBIL
2026 (YTD) −1.23%
2025 +1.84%