Compare · 2 funds side by side · dividends reinvested

VOO and XLF

VOOVanguard×XLFSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$18,115VOO · best of the two

02 / 04

VOO and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.05%+13.4%+13.5%+24.2%+12.6%−8.9%12.8%$1.00T1.4

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$54.2B1.6

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: VOO 2010 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard S&P 500 ETF · $1.00T$18,115

VOO

XLF

State Street Financial Select Sector SPDR ETF · $54.2B$16,157

$10,000 five years ago, dividends reinvested · they hold 11.3% in common

VOOMeasureXLF

+13.4%Year to dateJan 1 → Nov 4+9.4%

+13.5%1 yearTotal return+15.3%

+24.2%3 years · per year$10,000 became $19,172 · $19,384+24.7%

+12.6%5 years · per year$10,000 became $18,115 · $16,157+10.1%

0.03%Expense ratio$3 · $8 a year on $10k · lower is better0.08%

1.05%Trailing 12-mo yield$105 · $140 a year on $10k1.40%

−8.9%Worst dropSmaller is better−14.8%

12.8%VolatilityLower is calmer15.0%

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

5–3VOO wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

VOO vs XLF: Top 5 Holdings

Today

VOO

28.3%in top 5

XLF

in top 543.4%

VOOStockXLF

not top 5BRK-B12.9%

not top 5JPM11.2%

not top 5V8.9%

8.4%NVDAnot top 5

7.4%AAPLnot top 5

not top 5MA6.5%

5.8%MSFTnot top 5

not top 5BAC4.0%

3.7%AMZNnot top 5

3.1%GOOGLnot top 5

Held in common11.3%

End-of-day Nov 4, 2026 · share of each fund

VOO vs XLF Returns, Every Period

VanguardVOO

+12.6%

5 years, per year

XLFSPDR

+10.1%

5 years, per year

VOOXLFFaded: behind in that period

2–2Level

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Core vs Sector: VOO vs XLF

YTD

VanguardVOO

+13.4%

XLFSPDR

+9.4%

+13.4%Year to date+9.4%

−8.9%Worst drop · 1Y−14.8%

12.8%Volatility · 1Y15.0%

1.1%Yield1.4%

$1.00TAssets$54.2B

3–1VOO wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: VOO, XLF

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

XLF0.08%$8

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: VOO, XLF

1.40%highest, XLF

FundTrailing yieldYield$10k

XLF1.40%$140

VOO1.05%$105

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$132most kept, XLF

XLF$140 − $8 = $132

VOO$105 − $3 = $102

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: VOO, XLF

Today

11.3%most shared, VOO and XLF

VOOXLF

VOO—11.3%

XLF11.3%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+15.3%XLF, at 15.0% volatility

VOOWorst drop−8.9%12.8% vol

XLFWorst drop−14.8%15.0% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

XLFVOO

+9.4%Year to date+13.4%

1.4%Yield1.1%

+15.3%Past year+13.5%

0.08%Fee0.03%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$872B

0–0level

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026