Compare · 3 funds side by side · dividends reinvested

XLF, VOO and VNQ

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

02 / 04

XLF, VOO and VNQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.7%+9.8%+21.8%+11.4%−8.9%13.5%$1.00T1.8

Vanguard Real Estate ETFSectors · Real estate0.13%3.56%+11.2%+11.3%+13.6%+1.3%−11.4%14.2%$35.9B2.0

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$54.5B2.3

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: XLF 1998 · VOO 2010 · VNQ 2004

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $54.5B$15,474

XLF

VOO

Vanguard S&P 500 ETF · $1.00T$17,177

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

XLFMeasureVOO

+5.7%Year to dateJan 1 → Nov 6+8.7%

+10.4%1 yearTotal return+9.8%

+22.5%3 years · per year$10,000 became $18,391 · $18,079+21.8%

+9.1%5 years · per year$10,000 became $15,474 · $17,177+11.4%

0.08%Expense ratio$8 · $3 a year on $10k · lower is better0.03%

1.44%Trailing 12-mo yield$144 · $110 a year on $10k1.10%

−14.8%Worst dropSmaller is better−8.9%

15.3%VolatilityLower is calmer13.5%

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

3–5VOO wins

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

More Ways to See the Pairs

XLF vs VOO: Top 5 Holdings

Today

XLF

43.7%in top 5

VOO

in top 528.3%

XLFStockVOO

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

8.9%Vnot top 5

not top 5NVDA8.4%

not top 5AAPL7.4%

6.5%MAnot top 5

not top 5MSFT5.8%

4.0%BACnot top 5

not top 5AMZN3.7%

not top 5GOOGL3.1%

Held in common11.3%

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

XLF vs VOO Returns, Every Period

SPDRXLF

+9.1%

5 years, per year

VOOVanguard

+11.4%

5 years, per year

XLFVOOFaded: behind in that period

2–2Level

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

XLF vs VNQ

YTD

SPDRXLF

+5.7%

VNQVanguard

+11.2%

+5.7%Year to date+11.2%

−14.8%Worst drop · 1Y−11.4%

15.3%Volatility · 1Y14.2%

1.4%Yield3.6%

$54.5BAssets$35.9B

4–0VNQ wins

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

Cost, Income and Risk

Fees: XLF, VOO, VNQ

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

XLF0.08%$8

VNQ0.13%$13

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

Yields: XLF, VOO, VNQ

3.56%highest, VNQ

FundTrailing yieldYield$10k

VNQ3.56%$356

XLF1.44%$144

VOO1.10%$110

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

Income After Fees on $10,000

$343most kept, VNQ

VNQ$356 − $13 = $343

XLF$144 − $8 = $136

VOO$110 − $3 = $107

KeptFee

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

Overlap: XLF, VOO, VNQ

Today

11.3%most shared, XLF and VOO

XLFVOOVNQ

XLF—11.3%0.0%

VOO11.3%—1.7%

VNQ0.0%1.7%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+11.3%VNQ, at 14.2% volatility

VOOWorst drop−8.9%13.5% vol

VNQWorst drop−11.4%14.2% 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

VNQVOO

+11.2%Year to date+8.7%

3.6%Yield1.1%

+11.3%Past year+9.8%

0.13%Fee0.03%

3–1VNQ wins

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%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

VNQ vs SCHH

YTD

VanguardVNQ

+11.2%

SCHHSchwab

+14.7%

+11.2%Year to date+14.7%

3.6%Yield2.9%

$35.9BAssets$11.2B

1–1level

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