Compare · 3 funds side by side · dividends reinvested

VCIT, XLF and BND

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,474XLF · best of the three

02 / 04

VCIT, XLF and BND, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%−0.0%+0.6%+5.2%−0.1%−4.5%4.0%$161B1.9

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.0

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$55.5B2.0

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

End-of-day Nov 6, 2026 · returns include dividends · since: VCIT 2009 · XLF 1998 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $55.5B$15,474

XLF

VCIT

Vanguard Intermediate-Term Corporate Bond ETF · $66.6B$10,493

$10,000 five years ago, dividends reinvested

XLFMeasureVCIT

+5.7%Year to dateJan 1 → Nov 6−0.8%

+10.4%1 yearTotal return+0.4%

+22.5%3 years · per year$10,000 became $18,391 · $12,210+6.9%

+9.1%5 years · per year$10,000 became $15,474 · $10,493+1.0%

0.08%Expense ratio$8 · $3 a year on $10k · lower is better0.03%

1.44%Trailing 12-mo yield$144 · $502 a year on $10k5.02%

−14.8%Worst dropSmaller is better−4.9%

15.3%VolatilityLower is calmer4.5%

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

4–4Level

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs VCIT: Top 5 Holdings

Today

XLF

43.7%in top 5

VCIT

in top 5[…]

XLFStockVCIT

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

8.9%Vnot top 5

6.5%MAnot top 5

4.0%BACnot top 5

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

XLF vs VCIT Returns, Every Period

SPDRXLF

+9.1%

5 years, per year

VCITVanguard

+1.0%

5 years, per year

XLFVCITFaded: behind in that period

4–0XLF wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Sector vs Bonds: XLF vs VCIT

YTD

SPDRXLF

+5.7%

VCITVanguard

−0.8%

+5.7%Year to date−0.8%

−14.8%Worst drop · 1Y−4.9%

15.3%Volatility · 1Y4.5%

1.4%Yield5.0%

$55.5BAssets$66.6B

3–1VCIT wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: VCIT, XLF, BND

Today

0.03%lowest, VCIT

FundExpense ratioFee$10k

VCIT0.03%$3

BND0.03%$3

XLF0.08%$8

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: VCIT, XLF, BND

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

BND4.12%$412

XLF1.44%$144

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

BND$412 − $3 = $409

XLF$144 − $8 = $136

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: VCIT, XLF, BND

Today

[…]holdings […]

VCITXLFBND

VCIT—[…][…]

XLF[…]—[…]

BND[…][…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+10.4%XLF, at 15.3% volatility

BNDWorst drop−4.5%4.0% vol

VCITWorst drop−4.9%4.5% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VCITXLF

−0.8%Year to date+5.7%

5.0%Yield1.4%

+0.4%Past year+10.4%

0.03%Fee0.08%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Three

BND vs AGG

YTD

VanguardBND

−0.0%

AGGiShares

−0.0%

−0.0%Year to date−0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026