Compare · 3 funds side by side · dividends reinvested

TFNS, XLF and VOO

TFNST. Rowe Price×XLFSPDR×VOOVanguard×

02 / 04

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,416VOO · best of the three

Story of the three · IncomeMost incomeXLF · 1.42% · $142 a year on $10k

Story of the three · RiskSmallest drop

TFNS, XLF and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.08%+10.9%+13.1%+21.5%+11.7%−8.9%13.7%$1.00T1.4

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.7%+12.2%+21.8%+9.5%−14.8%15.3%$53.6B2.1

T. Rowe Price Financials ETFSectors · Financials0.44%0.45%+8.3%+14.5%[…][…]−14.0%15.4%$19M2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 10, 2026 · returns include dividends · since: TFNS 2025 · XLF 1998 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

5Y

T. Rowe Price Financials ETF · $19M[…]

TFNS

XLF

State Street Financial Select Sector SPDR ETF · $53.6B$15,733

$10,000 five years ago, dividends reinvested · they hold 45.3% in common

TFNSMeasure

More Ways to See the Pairs

TFNS vs XLF: Top 5 Holdings

Today

TFNS

36.9%in top 5

XLF

in top 543.6%

TFNSStockXLF

13.0%BRK-B13.1%

not top 5JPM11.1%

not top 5V8.8%

7.6%V.BAnot top 5

7.1%MA.BA

Cost, Income and Risk

Fees: TFNS, XLF, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

XLF0.08%$8

TFNS0.44%$44

End-of-day Nov 10, 2026 · fee on $10,000 a year

Yields: TFNS, XLF, VOO

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 10, 2026

VOO vs IVV

YTD

VanguardVOO

+10.9%

IVViShares

+10.9%

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

XLF

+8.3%Year to dateJan 1 → Nov 10+7.7%

+14.5%1 yearTotal return+12.2%

[…]3 years · per year$10,000 became […] · $18,086+21.8%

[…]5 years · per year$10,000 became […] · $15,733+9.5%

0.44%Expense ratio$44 · $8 a year on $10k · lower is better0.08%

0.45%Trailing 12-mo yield$45 · $142 a year on $10k1.42%

−14.0%Worst dropSmaller is better−14.8%

15.4%VolatilityLower is calmer15.3%

TFNSXLF Winner of the row, in its colourEach row: the bigger of the two fills its side

3–3Level

End-of-day Nov 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

not top 5

not top 5MA6.5%

4.9%JPM.NEnot top 5

4.4%BAC4.0%

Held in common45.3%

End-of-day Nov 10, 2026 · share of each fund

TFNS vs XLF Returns, Every Period

1Y

T. Rowe PriceTFNS

+14.5%

past year

XLFSPDR

+12.2%

past year

TFNSXLFFaded: behind in that period

2–0TFNS wins

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

TFNS vs XLF

YTD

T. Rowe PriceTFNS

+8.3%

XLFSPDR

+7.7%

+8.3%Year to date+7.7%

−14.0%Worst drop · 1Y−14.8%

15.4%Volatility · 1Y15.3%

0.5%Yield1.4%

$18.5MAssets$53.6B

2–2level

End-of-day Nov 10, 2026 · smaller drop and lower volatility win

1Y

1.42%highest, XLF

FundTrailing yieldYield$10k

XLF1.42%$142

VOO1.08%$108

TFNS0.45%$45

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$134most kept, XLF

XLF$142 − $8 = $134

VOO$108 − $3 = $105

TFNS$45 − $44 = $1

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: TFNS, XLF, VOO

Today

45.3%most shared, TFNS and XLF

TFNSXLFVOO

TFNS—45.3%6.0%

XLF45.3%—11.3%

VOO6.0%11.3%—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+14.5%TFNS, at 15.4% volatility

VOOWorst drop−8.9%13.7% vol

XLFWorst drop−14.8%15.3% vol

TFNSWorst drop−14.0%15.4% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

XLFVOO

+7.7%Year to date+10.9%

1.4%Yield1.1%

+12.2%Past year+13.1%

0.08%Fee0.03%

3–1VOO wins

End-of-day Nov 10, 2026

Year to date

+10.9%

1.1%Yield1.1%

$1.00TAssets$872B

0–0level

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

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TFNS, XLF and VOO

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three