Compare · 3 funds side by side · dividends reinvested

XLF, VUG and VNQ

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,565VUG · best of the three

02 / 04

XLF, VUG and VNQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Real Estate ETFSectors · Real estate0.13%3.50%+13.1%+13.7%+13.0%+1.5%−11.4%14.3%$35.9B1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B2.0

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.41%+4.2%+4.7%+22.9%+10.6%−15.1%19.1%$233B2.3

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 · VUG 2004 · VNQ 2004

Head to Head

Swap sides Versus in desk

Head to Head

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

XLF

VUG

Vanguard Morningstar Growth ETF · $233B$16,565

$10,000 five years ago, dividends reinvested · they hold 3.9% in common

XLFMeasureVUG

+7.2%Year to dateJan 1 → Nov 9+4.2%

+12.4%1 yearTotal return+4.7%

+22.2%3 years · per year$10,000 became $18,230 · $18,569+22.9%

+9.4%5 years · per year$10,000 became $15,690 · $16,565+10.6%

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

1.42%Trailing 12-mo yield$142 · $41 a year on $10k0.41%

−14.8%Worst dropSmaller is better−15.1%

15.3%VolatilityLower is calmer19.1%

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

5–3XLF 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 VUG: Top 5 Holdings

Today

XLF

43.8%in top 5

VUG

in top 545.2%

XLFStockVUG

not top 5NVDA13.5%

13.2%BRK-Bnot top 5

not top 5AAPL12.5%

11.1%JPMnot top 5

not top 5MSFT9.7%

9.0%Vnot top 5

6.6%MAnot top 5

not top 5GOOGL5.2%

not top 5AVGO4.3%

4.0%BACnot top 5

Held in common3.9%

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

XLF vs VUG Returns, Every Period

SPDRXLF

+9.4%

5 years, per year

VUGVanguard

+10.6%

5 years, per year

XLFVUGFaded: behind in that period

2–2Level

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

XLF vs VNQ

YTD

SPDRXLF

+7.2%

VNQVanguard

+13.1%

+7.2%Year to date+13.1%

−14.8%Worst drop · 1Y−11.4%

15.3%Volatility · 1Y14.3%

1.4%Yield3.5%

$53.4BAssets$35.9B

4–0VNQ wins

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

Cost, Income and Risk

Fees: XLF, VUG, VNQ

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

XLF0.08%$8

VNQ0.13%$13

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

Yields: XLF, VUG, VNQ

3.50%highest, VNQ

FundTrailing yieldYield$10k

VNQ3.50%$350

XLF1.42%$142

VUG0.41%$41

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

Income After Fees on $10,000

$337most kept, VNQ

VNQ$350 − $13 = $337

XLF$142 − $8 = $134

VUG$41 − $3 = $38

KeptFee

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

Overlap: XLF, VUG, VNQ

Today

3.9%most shared, XLF and VUG

XLFVUGVNQ

XLF—3.9%0.0%

VUG3.9%—0.9%

VNQ0.0%0.9%—

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

Return vs Bumpiness: 3 ETFs

+13.7%VNQ, at 14.3% volatility

VNQWorst drop−11.4%14.3% vol

XLFWorst drop−14.8%15.3% vol

VUGWorst drop−15.1%19.1% vol

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

Paid More vs Made More

YTD

VNQXLF

+13.1%Year to date+7.2%

3.5%Yield1.4%

+13.7%Past year+12.4%

0.13%Fee0.08%

3–1VNQ wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

VUG vs SCHG

YTD

VanguardVUG

+4.2%

SCHGSchwab

+4.8%

+4.2%Year to date+4.8%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$59.7B

1–1level

End-of-day Nov 9, 2026

VNQ vs SCHH

YTD

VanguardVNQ

+13.1%

SCHHSchwab

+16.5%

+13.1%Year to date+16.5%

3.5%Yield2.8%

$35.9BAssets$11.2B

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026