Compare · 3 funds side by side · dividends reinvested

XLF, VTI and VGT

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$21,281VGT · best of the three

02 / 04

XLF, VTI and VGT, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.8

Vanguard Information Technology ETFSectors · Technology0.09%0.42%+19.3%+18.0%+29.2%+16.3%−17.5%26.6%$155B2.0

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B2.3

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

End-of-day Nov 9, 2026 · returns include dividends · since: XLF 1998 · VTI 2001 · VGT 2004

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.4B$15,690

XLF

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,697

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

XLFMeasureVTI

+7.2%Year to dateJan 1 → Nov 9+11.6%

+12.4%1 yearTotal return+13.9%

+22.2%3 years · per year$10,000 became $18,230 · $18,090+21.8%

+9.4%5 years · per year$10,000 became $15,690 · $16,697+10.8%

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

1.42%Trailing 12-mo yield$142 · $106 a year on $10k1.06%

−14.8%Worst dropSmaller is better−8.9%

15.3%VolatilityLower is calmer13.9%

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

2–6VTI wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs VTI: Top 5 Holdings

Today

XLF

43.8%in top 5

VTI

in top 525.0%

XLFStockVTI

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

9.0%Vnot top 5

not top 5NVDA7.1%

not top 5AAPL6.6%

6.6%MAnot top 5

not top 5MSFT5.2%

4.0%BACnot top 5

not top 5AMZN3.3%

not top 5GOOGL2.8%

Held in common10.1%

End-of-day Nov 9, 2026 · share of each fund

XLF vs VTI Returns, Every Period

SPDRXLF

+9.4%

5 years, per year

VTIVanguard

+10.8%

5 years, per year

XLFVTIFaded: behind in that period

1–3VTI wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Sector vs Core: XLF vs VTI

YTD

SPDRXLF

+7.2%

VTIVanguard

+11.6%

+7.2%Year to date+11.6%

−14.8%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.9%

1.4%Yield1.1%

$53.4BAssets$689B

3–1VTI wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, VTI, VGT

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

XLF0.08%$8

VGT0.09%$9

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: XLF, VTI, VGT

1.42%highest, XLF

FundTrailing yieldYield$10k

XLF1.42%$142

VTI1.06%$106

VGT0.42%$42

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$134most kept, XLF

XLF$142 − $8 = $134

VTI$106 − $3 = $103

VGT$42 − $9 = $33

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: XLF, VTI, VGT

Today

37.0%most shared, VTI and VGT

XLFVTIVGT

XLF—10.1%0.0%

VTI10.1%—37.0%

VGT0.0%37.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+18.0%VGT, at 26.6% volatility

VTIWorst drop−8.9%13.9% vol

XLFWorst drop−14.8%15.3% vol

VGTWorst drop−17.5%26.6% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

XLFVGT

+7.2%Year to date+19.3%

1.4%Yield0.4%

+12.4%Past year+18.0%

0.08%Fee0.09%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Three

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

XLK vs VGT

YTD

SPDRXLK

+19.1%

VGTVanguard

+19.3%

+19.1%Year to date+19.3%

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

$110BAssets$155B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026