If you want maximum headline income
→ MSTY
MSTY leads headline yield (~90.7%). Check the tape for total return and NAV path before sizing up.
Two income funds compared side-by-side using the available DivAgent snapshot. See which one fits your yield strategy.
8-second verdict · always free
If you want maximum headline income
→ MSTY
MSTY leads headline yield (~90.7%). Check the tape for total return and NAV path before sizing up.
If you want total return (paid + price)
→ BIL
BIL leads 1Y total return (~3.3%). Prefer this when you care about paid + price, not yield alone.
If you need sleep-at-night sizing
→ BIL
BIL is Tier 1 vs Tier 5 — the structurally lower-risk pick in this matchup.
MSTY currently combines a high annualized yield with a negative 1Y NAV change. That is a neutral screening signal, not evidence of how the distribution was funded. Review the reported total return and issuer documents.
When the edge flips — yield, total return, or NAV path — we email the updated tape. Plus the free Yield Trap cheat sheet: what high-yield funds actually paid vs what their prices did.
Path A · Still deciding
Related battlesMore BIL and MSTY matchups in the same decision space — different trade-offs.
Path B · Picked a side
Full ticker auditsDeep-dive BIL or MSTY: distribution history, risk tier, peer set.
Audit MSTY →Path C · Want a system
Leaderboard & portfoliosSee how income funds rank by risk tier and matrix cell — then track holdings free.
What this means: BIL is ratedTier 1 (Cornerstone)while MSTY is ratedTier 5 (Octane).BIL is structurally lower risk than MSTY.
| Metric | BIL | MSTY |
|---|---|---|
| Total Return (1Y) | 3.30% | -44.40% |
| NAV Change (1Y) | -0.37% | -78.94% |
| Max Drawdown | -0.54% | -79.35% |
| Beta | N/A | N/A |
* Returns include dividend reinvestment. Drawdown calculates peak-to-trough decline over trailing 12 months.
BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) is listed with SPDR as provider. Reported assets under management: $46.4B.
Observed profile: DivAgent currently reports Tier 1, 3.68% annualized yield, -0.37% 1Y NAV change, and 3.30% 1Y total return. The tier is a risk classification; it does not by itself identify the fund's holdings or strategy.
MSTY (YieldMax MSTR Option Income) is listed with YieldMax as provider. Reported assets under management: $1.2B.
Observed profile: DivAgent currently reports Tier 5, 90.66% annualized yield, -78.94% 1Y NAV change, and -44.40% 1Y total return. The tier is a risk classification; it does not by itself identify the fund's holdings or strategy.
In the head-to-head battle of BIL vs MSTY, the choice depends on your specific goal. MSTY leads Immediate Income with a 90.66% yield. BIL leads 1Y Total Return in the current data.
Compare the reported annualized yield, payout frequency, and DivAgent risk tier.
MSTY currently combines a 90.66% annualized yield with a -78.94% 1Y NAV change. That combination is a screening signal to review, not proof of how distributions were funded. Distribution composition requires separate source data that this comparison does not provide.
12-MONTH PERFORMANCE BREAKDOWN:
What the current data supports:
Interpretation: compare total return and NAV change with the headline yield, and verify distribution composition from fund documents before drawing a funding conclusion.
The Bottom Line Question: If you invest $100,000 today, how much cash will you actually receive each month? Here's the exact math:
BIL
Annual Yield: 3.68%
$306/mo
($3,675/year)
Frequency: monthly
MSTY
Annual Yield: 90.66%
$7,555/mo
($90,657/year)
Frequency: weekly
Income Gap: MSTY generates $86,982/year more than BIL on the same $100k investment.
Over 20 years, that's $1,739,630 in additional cash flow (before reinvestment).
Context Matters: Compare annualized yield with NAV change and total return rather than using the yield figure alone.
Historical data reveals how these funds behave during market stress. BIL has the higher current 1Y total return at 3.30%.
What is Max Drawdown? Max drawdown measures the largest peak-to-trough decline in portfolio value during a specific period. Unlike NAV change (which only looks at start vs. end), max drawdown captures the worst moment of pain an investor experienced.
Illustrative $100,000 Position
BIL (Smaller Reported Drawdown)
Max Drawdown: -0.54%
-$540
Illustrative peak-to-trough change
MSTY (Larger Reported Drawdown)
Max Drawdown: -79.35%
-$79,350
Illustrative peak-to-trough change
Observed Difference: The reported drawdowns differ by an illustrative $78,810 on a $100k position.
A smaller historical drawdown is one risk observation, not a guarantee of future downside behavior or investor outcomes.
What is an Expense Ratio? The annual fee charged by the fund, expressed as a percentage of assets. It's deducted daily from the fund's NAV, making it invisible to most investors—but it compounds over time.
BIL (LOWER COST)
0.135%
Annual expense ratio
MSTY (HIGHER COST)
1.030%
Annual expense ratio
20-YEAR FEE IMPACT SIMULATION ($100,000 INITIAL INVESTMENT)
The Hidden Cost of "Just 0.89%": That seemingly small difference of 0.895% annually becomes $17,894 in lost wealth over 20 years. Factor in compound growth, and you're giving up ~$48,807 in potential portfolio value.
💡 Cost Efficiency Winner: BIL is the clear winner for long-term buy-and-hold investors. Lower fees mean more capital compounds in YOUR account, not the fund manager's.
Every investor has a unique risk profile. Use our Portfolio Intelligence tool to see the impact of adding these ETFs to your holdings.