Compare · 3 funds side by side · dividends reinvested

VOO, VTI and XLF

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,393VOO · best of the three

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

Story of the three · RiskSmallest drop

VOO, VTI and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.07%+11.9%+12.1%+21.7%+11.7%−8.9%13.7%$1.00T1.5

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+12.1%+12.2%+21.4%+10.6%−8.9%13.9%$689B1.9

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.6%+11.1%+22.0%+9.7%−14.8%15.3%$54.1B2.5

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

End-of-day Nov 12, 2026 · returns include dividends · since: VOO 2010 · VTI 2001 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Vanguard S&P 500 ETF · $1.00T$17,393

VOO

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,543

$10,000 five years ago, dividends reinvested · they hold 89.0% in common

VOOMeasure

More Ways to See the Pairs

VOO vs VTI: Top 5 Holdings

Today

VOO

28.3%in top 5

VTI

in top 525.0%

VOOStockVTI

8.4%NVDA7.1%

7.4%AAPL6.6%

5.8%MSFT5.2%

3.7%AMZN3.3%

3.1%

Cost, Income and Risk

Fees: VOO, VTI, XLF

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

VTI0.03%$3

XLF0.08%$8

End-of-day Nov 12, 2026 · fee on $10,000 a year

Yields: VOO, VTI, XLF

1Y

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+12.0%

SPYSPDR

+11.9%

+12.0%Year to date+11.9%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 12, 2026

VTI vs ITOT

YTD

VanguardVTI

+12.1%

ITOTiShares

+11.9%

VOO vs IVV

YTD

VanguardVOO

+11.9%

IVViShares

+12.0%

+11.9%

VTI

+11.9%Year to dateJan 1 → Nov 12+12.1%

+12.1%1 yearTotal return+12.2%

+21.7%3 years · per year$10,000 became $18,015 · $17,911+21.4%

+11.7%5 years · per year$10,000 became $17,393 · $16,542+10.6%

0.03%Expense ratio$3 · $3 a year on $10k · lower is better0.03%

1.07%Trailing 12-mo yield$107 · $106 a year on $10k1.06%

−8.9%Worst dropSmaller is better−8.9%

13.7%VolatilityLower is calmer13.9%

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

4–2VOO wins

End-of-day Nov 12, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

GOOGL

2.8%

Held in common89.0%

End-of-day Nov 12, 2026 · share of each fund

VOO vs VTI Returns, Every Period

5Y

VanguardVOO

+11.7%

5 years, per year

VTIVanguard

+10.6%

5 years, per year

VOOVTIFaded: behind in that period

2–2Level

End-of-day Nov 12, 2026 · dividends in · faded = behind in that period

Core vs Sector: VOO vs XLF

YTD

VanguardVOO

+11.9%

XLFSPDR

+7.6%

+11.9%Year to date+7.6%

−8.9%Worst drop · 1Y−14.8%

13.7%Volatility · 1Y15.3%

1.1%Yield1.4%

$1.00TAssets$54.1B

3–1VOO wins

End-of-day Nov 12, 2026 · smaller drop and lower volatility win

1.42%highest, XLF

FundTrailing yieldYield$10k

XLF1.42%$142

VOO1.07%$107

VTI1.06%$106

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

Income After Fees on $10,000

1Y

$134most kept, XLF

XLF$142 − $8 = $134

VOO$107 − $3 = $104

VTI$106 − $3 = $103

KeptFee

End-of-day Nov 12, 2026 · yield in dollars minus the fee

Overlap: VOO, VTI, XLF

Today

89.0%most shared, VOO and VTI

VOOVTIXLF

VOO—89.0%11.3%

VTI89.0%—10.1%

XLF11.3%10.1%—

End-of-day Nov 12, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+12.2%VTI, at 13.9% volatility

VOOWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 12, 2026 · up and left is better

Paid More vs Made More

YTD

XLFVTI

+7.6%Year to date+12.1%

1.4%Yield1.1%

+11.1%Past year+12.2%

0.08%Fee0.03%

3–1VTI wins

End-of-day Nov 12, 2026

+12.1%Year to date+11.9%

1.1%Yield1.0%

$689BAssets$96.5B

2–0VTI wins

End-of-day Nov 12, 2026

Year to date

+12.0%

1.1%Yield1.1%

$1.00TAssets$883B

1–0IVV wins

End-of-day Nov 12, 2026

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VOO, VTI and XLF

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three