Compare · 3 funds side by side · dividends reinvested

XLF, VTI and XLE

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$25,404XLE · best of the three

02 / 04

XLF, VTI and XLE, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$689B1.9

State Street Energy Select Sector SPDR ETFSectors · Energy0.08%2.47%+40.6%+45.4%+16.7%+20.5%−15.0%23.3%$42.0B1.9

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+6.3%+11.4%+23.0%+9.2%−14.8%15.3%$55.5B2.1

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

End-of-day Nov 5, 2026 · returns include dividends · since: XLF 1998 · VTI 2001 · XLE 1998

Head to Head

Swap sides Versus in desk

Head to Head

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

XLF

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,332

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

XLFMeasureVTI

+6.3%Year to dateJan 1 → Nov 5+8.4%

+11.4%1 yearTotal return+9.9%

+23.0%3 years · per year$10,000 became $18,620 · $18,113+21.9%

+9.2%5 years · per year$10,000 became $15,503 · $16,332+10.3%

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 calmer13.7%

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

3–5VTI 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 VTI: Top 5 Holdings

Today

XLF

43.7%in top 5

VTI

in top 525.0%

XLFStockVTI

12.9%BRK-Bnot top 5

11.2%JPMnot top 5

8.9%Vnot top 5

not top 5NVDA7.1%

not top 5AAPL6.6%

6.5%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 5, 2026 · share of each fund

XLF vs VTI Returns, Every Period

SPDRXLF

+9.2%

5 years, per year

VTIVanguard

+10.3%

5 years, per year

XLFVTIFaded: behind in that period

2–2Level

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

XLF vs XLE

YTD

SPDRXLF

+6.3%

XLESPDR

+40.6%

+6.3%Year to date+40.6%

−14.8%Worst drop · 1Y−15.0%

15.3%Volatility · 1Y23.3%

1.4%Yield2.5%

$55.5BAssets$42.0B

2–2level

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

Cost, Income and Risk

Fees: XLF, VTI, XLE

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

XLF0.08%$8

XLE0.08%$8

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

Yields: XLF, VTI, XLE

2.47%highest, XLE

FundTrailing yieldYield$10k

XLE2.47%$247

XLF1.44%$144

VTI1.10%$110

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

Income After Fees on $10,000

$239most kept, XLE

XLE$247 − $8 = $239

XLF$144 − $8 = $136

VTI$110 − $3 = $107

KeptFee

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

Overlap: XLF, VTI, XLE

Today

10.1%most shared, XLF and VTI

XLFVTIXLE

XLF—10.1%0.0%

VTI10.1%—3.0%

XLE0.0%3.0%—

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

Return vs Bumpiness: 3 ETFs

+45.4%XLE, at 23.3% volatility

VTIWorst drop−8.9%13.7% vol

XLFWorst drop−14.8%15.3% vol

XLEWorst drop−15.0%23.3% vol

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

Paid More vs Made More

YTD

XLEVTI

+40.6%Year to date+8.4%

2.5%Yield1.1%

+45.4%Past year+9.9%

0.08%Fee0.03%

3–1XLE wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

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

XLE vs VDE

YTD

SPDRXLE

+40.6%

VDEVanguard

+38.4%

+40.6%Year to date+38.4%

2.5%Yield2.4%

$42.0BAssets$10.4B

2–0XLE wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026