Compare · 3 funds side by side · dividends reinvested

VTI, XLK and SPY

02 / 04

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$21,150XLK · best of the three

Story of the three · IncomeMost incomeVTI · 1.06% · $106 a year on $10k

Story of the three · RiskSmallest drop

VTI, XLK and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Technology Select Sector SPDR ETFSectors · Technology0.08%0.49%+18.7%+16.5%+25.4%+16.2%−19.6%28.8%$117B1.9

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+11.8%+21.3%+10.4%−8.9%13.9%$689B2.0

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.5%+11.6%+21.4%+11.5%−8.9%13.7%$807B2.1

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

End-of-day Nov 13, 2026 · returns include dividends · since: VTI 2001 · XLK 1998 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Vanguard Morningstar Total Stock Market ETF · $689B$16,412

VTI

XLK

State Street Technology Select Sector SPDR ETF · $117B$21,150

$10,000 five years ago, dividends reinvested · they hold 35.1% in common

VTIMeasure

More Ways to See the Pairs

VTI vs XLK: Top 5 Holdings

Today

VTI

25.0%in top 5

XLK

in top 551.7%

VTIStockXLK

6.6%AAPL16.2%

7.1%NVDA13.1%

5.2%MSFT12.1%

not top 5AVGO5.1%

not top 5AMD

Cost, Income and Risk

Fees: VTI, XLK, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

XLK0.08%$8

SPY0.09%$9

End-of-day Nov 13, 2026 · fee on $10,000 a year

Yields: VTI, XLK, SPY

1Y

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+11.5%

SPYSPDR

+11.5%

+11.5%Year to date+11.5%

1.0%Yield1.0%

$186BAssets$807B

0–0level

End-of-day Nov 13, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

XLK vs VGT

YTD

SPDRXLK

+18.7%

VGTVanguard

+18.4%

XLK

+11.6%Year to dateJan 1 → Nov 13+18.7%

+11.8%1 yearTotal return+16.5%

+21.3%3 years · per year$10,000 became $17,841 · $19,743+25.4%

+10.4%5 years · per year$10,000 became $16,412 · $21,150+16.2%

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

1.06%Trailing 12-mo yield$106 · $49 a year on $10k0.49%

−8.9%Worst dropSmaller is better−19.6%

13.9%VolatilityLower is calmer28.8%

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

4–4Level

End-of-day Nov 13, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

5.1%

3.3%AMZNnot top 5

2.8%GOOGLnot top 5

Held in common35.1%

End-of-day Nov 13, 2026 · share of each fund

VTI vs XLK Returns, Every Period

5Y

VanguardVTI

+10.4%

5 years, per year

XLKSPDR

+16.2%

5 years, per year

VTIXLKFaded: behind in that period

0–4XLK wins

End-of-day Nov 13, 2026 · dividends in · faded = behind in that period

VTI vs SPY

YTD

VanguardVTI

+11.6%

SPYSPDR

+11.5%

+11.6%Year to date+11.5%

−8.9%Worst drop · 1Y−8.9%

13.9%Volatility · 1Y13.7%

1.1%Yield1.0%

$689BAssets$807B

2–1VTI wins

End-of-day Nov 13, 2026 · smaller drop and lower volatility win

1.06%highest, VTI

FundTrailing yieldYield$10k

VTI1.06%$106

SPY1.01%$101

XLK0.49%$49

End-of-day Nov 13, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$103most kept, VTI

VTI$106 − $3 = $103

SPY$101 − $9 = $92

XLK$49 − $8 = $41

KeptFee

End-of-day Nov 13, 2026 · yield in dollars minus the fee

Overlap: VTI, XLK, SPY

Today

86.3%most shared, VTI and SPY

VTIXLKSPY

VTI—35.1%86.3%

XLK35.1%—36.1%

SPY86.3%36.1%—

End-of-day Nov 13, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+16.5%XLK, at 28.8% volatility

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

XLKWorst drop−19.6%28.8% vol

End-of-day Nov 13, 2026 · up and left is better

Paid More vs Made More

YTD

VTIXLK

+11.6%Year to date+18.7%

1.1%Yield0.5%

+11.8%Past year+16.5%

0.03%Fee0.08%

2–2level

End-of-day Nov 13, 2026

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.8B

2–0VTI wins

End-of-day Nov 13, 2026

+18.7%Year to date+18.4%

0.08% · $8Fee · on $10k a year0.09% · $9

$117BAssets$155B

2–0XLK wins

End-of-day Nov 13, 2026

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VTI, XLK and SPY

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three