Compare · 3 funds side by side · dividends reinvested

XLF, VFH and VOO

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

02 / 04

XLF, VFH and VOO, 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%$1.00T1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$53.8B2.0

Vanguard Financials ETFSectors · Financials0.09%1.64%+8.8%+14.9%+25.2%+10.0%−14.7%15.1%$12.7B2.3

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

End-of-day Nov 4, 2026 · returns include dividends · since: XLF 1998 · VFH 2004 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.8B$16,157

XLF

VFH

Vanguard Financials ETF · $12.7B$16,079

$10,000 five years ago, dividends reinvested · they hold 85.1% in common

XLFMeasureVFH

+9.4%Year to dateJan 1 → Nov 4+8.8%

+15.3%1 yearTotal return+14.9%

+24.7%3 years · per year$10,000 became $19,384 · $19,620+25.2%

+10.1%5 years · per year$10,000 became $16,157 · $16,079+10.0%

0.08%Expense ratio$8 · $9 a year on $10k · lower is better0.09%

1.40%Trailing 12-mo yield$140 · $164 a year on $10k1.64%

−14.8%Worst dropSmaller is better−14.7%

15.0%VolatilityLower is calmer15.1%

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

5–3XLF wins

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

More Ways to See the Pairs

XLF vs VFH: Top 5 Holdings

Today

XLF

43.4%in top 5

VFH

in top 535.3%

XLFStockVFH

12.9%BRK-B8.3%

11.2%JPM10.4%

8.9%V7.1%

6.5%MA5.3%

4.0%BAC4.2%

Held in common85.1%

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

XLF vs VFH Returns, Every Period

SPDRXLF

+10.1%

5 years, per year

VFHVanguard

+10.0%

5 years, per year

XLFVFHFaded: behind in that period

3–1XLF wins

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

XLF vs VFH

YTD

SPDRXLF

+9.4%

VFHVanguard

+8.8%

+9.4%Year to date+8.8%

−14.8%Worst drop · 1Y−14.7%

15.0%Volatility · 1Y15.1%

1.4%Yield1.6%

$53.8BAssets$12.7B

2–2level

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

Cost, Income and Risk

Fees: XLF, VFH, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

XLF0.08%$8

VFH0.09%$9

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

Yields: XLF, VFH, VOO

1.64%highest, VFH

FundTrailing yieldYield$10k

VFH1.64%$164

XLF1.40%$140

VOO1.05%$105

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

Income After Fees on $10,000

$155most kept, VFH

VFH$164 − $9 = $155

XLF$140 − $8 = $132

VOO$105 − $3 = $102

KeptFee

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

Overlap: XLF, VFH, VOO

Today

85.1%most shared, XLF and VFH

XLFVFHVOO

XLF—85.1%11.3%

VFH85.1%—11.3%

VOO11.3%11.3%—

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

Return vs Bumpiness: 3 ETFs

+15.3%XLF, at 15.0% volatility

VOOWorst drop−8.9%12.8% vol

XLFWorst drop−14.8%15.0% vol

VFHWorst drop−14.7%15.1% vol

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

Paid More vs Made More

YTD

VFHVOO

+8.8%Year to date+13.4%

1.6%Yield1.1%

+14.9%Past year+13.5%

0.09%Fee0.03%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

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$887B

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026