Compare · 3 funds side by side · dividends reinvested

VTI, XLF and IVV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,177IVV · best of the three

02 / 04

VTI, XLF and IVV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.14%+8.7%+9.8%+21.8%+11.4%−8.9%13.6%$853B1.6

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B2.0

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$55.5B2.3

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

End-of-day Nov 6, 2026 · returns include dividends · since: VTI 2001 · XLF 1998 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$16,375

VTI

XLF

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

$10,000 five years ago, dividends reinvested · they hold 10.1% in common

VTIMeasureXLF

+8.9%Year to dateJan 1 → Nov 6+5.7%

+9.9%1 yearTotal return+10.4%

+21.7%3 years · per year$10,000 became $18,004 · $18,391+22.5%

+10.4%5 years · per year$10,000 became $16,375 · $15,474+9.1%

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

1.09%Trailing 12-mo yield$109 · $144 a year on $10k1.44%

−8.9%Worst dropSmaller is better−14.8%

13.7%VolatilityLower is calmer15.3%

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

5–3VTI wins

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

More Ways to See the Pairs

VTI vs XLF: Top 5 Holdings

Today

VTI

25.0%in top 5

XLF

in top 543.7%

VTIStockXLF

not top 5BRK-B13.2%

not top 5JPM11.1%

not top 5V8.9%

7.1%NVDAnot top 5

6.6%AAPLnot top 5

not top 5MA6.5%

5.2%MSFTnot top 5

not top 5BAC4.0%

3.3%AMZNnot top 5

2.8%GOOGLnot top 5

Held in common10.1%

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

VTI vs XLF Returns, Every Period

VanguardVTI

+10.4%

5 years, per year

XLFSPDR

+9.1%

5 years, per year

VTIXLFFaded: behind in that period

2–2Level

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

Core vs Sector: VTI vs XLF

YTD

VanguardVTI

+8.9%

XLFSPDR

+5.7%

+8.9%Year to date+5.7%

−8.9%Worst drop · 1Y−14.8%

13.7%Volatility · 1Y15.3%

1.1%Yield1.4%

$689BAssets$55.5B

3–1VTI wins

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

Cost, Income and Risk

Fees: VTI, XLF, IVV

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

IVV0.03%$3

XLF0.08%$8

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

Yields: VTI, XLF, IVV

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

IVV1.14%$114

VTI1.09%$109

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

IVV$114 − $3 = $111

VTI$109 − $3 = $106

KeptFee

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

Overlap: VTI, XLF, IVV

Today

85.5%most shared, VTI and IVV

VTIXLFIVV

VTI—10.1%85.5%

XLF10.1%—12.8%

IVV85.5%12.8%—

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

IVVWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% 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

XLFVTI

+5.7%Year to date+8.9%

1.4%Yield1.1%

+10.4%Past year+9.9%

0.08%Fee0.03%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 6, 2026