Compare · 3 funds side by side · dividends reinvested

XLF, VOO and VTI

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,156VOO · best of the three

02 / 04

XLF, VOO and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.4%+9.8%+22.1%+11.4%−8.9%13.5%$1.00T1.6

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.10%+8.4%+9.9%+21.9%+10.3%−8.9%13.7%$689B2.0

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+6.3%+11.4%+23.0%+9.2%−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 5, 2026 · returns include dividends · since: XLF 1998 · VOO 2010 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $55.5B$15,503

XLF

VOO

Vanguard S&P 500 ETF · $1.00T$17,156

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

XLFMeasureVOO

+6.3%Year to dateJan 1 → Nov 5+8.4%

+11.4%1 yearTotal return+9.8%

+23.0%3 years · per year$10,000 became $18,620 · $18,224+22.1%

+9.2%5 years · per year$10,000 became $15,503 · $17,156+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 5, 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

12.9%BRK-Bnot top 5

11.2%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 5, 2026 · share of each fund

XLF vs VOO Returns, Every Period

SPDRXLF

+9.2%

5 years, per year

VOOVanguard

+11.4%

5 years, per year

XLFVOOFaded: behind in that period

2–2Level

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Sector vs Core: XLF vs VOO

YTD

SPDRXLF

+6.3%

VOOVanguard

+8.4%

+6.3%Year to date+8.4%

−14.8%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.5%

1.4%Yield1.1%

$55.5BAssets$1.00T

3–1VOO wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, VOO, VTI

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

VTI0.03%$3

XLF0.08%$8

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: XLF, VOO, VTI

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

VOO1.10%$110

VTI1.10%$110

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

VOO$110 − $3 = $107

VTI$110 − $3 = $107

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: XLF, VOO, VTI

Today

89.0%most shared, VOO and VTI

XLFVOOVTI

XLF—11.3%10.1%

VOO11.3%—89.0%

VTI10.1%89.0%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+11.4%XLF, at 15.3% volatility

VOOWorst drop−8.9%13.5% vol

VTIWorst drop−8.9%13.7% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

XLFVTI

+6.3%Year to date+8.4%

1.4%Yield1.1%

+11.4%Past year+9.9%

0.08%Fee0.03%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$92.8B

0–0level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 5, 2026