Compare · 3 funds side by side · dividends reinvested

XLF, VXUS and IEMG

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,690XLF · best of the three

02 / 04

XLF, VXUS and IEMG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Total International Stock ETFInternational · Ex-US broad0.05%2.39%+11.1%+15.3%+19.5%+8.1%−11.3%17.9%$163B1.8

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

iShares Core MSCI Emerging Markets ETFInternational · Emerging0.09%2.42%+11.4%+12.8%+19.8%+6.4%−17.8%25.7%$146B2.3

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 · VXUS 2011 · IEMG 2012

Head to Head

Swap sides Versus in desk

Head to Head

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

XLF

VXUS

Vanguard Total International Stock ETF · $163B$14,758

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

XLFMeasureVXUS

+7.2%Year to dateJan 1 → Nov 9+11.1%

+12.4%1 yearTotal return+15.3%

+22.2%3 years · per year$10,000 became $18,230 · $17,060+19.5%

+9.4%5 years · per year$10,000 became $15,690 · $14,758+8.1%

0.08%Expense ratio$8 · $5 a year on $10k · lower is better0.05%

1.42%Trailing 12-mo yield$142 · $239 a year on $10k2.39%

−14.8%Worst dropSmaller is better−11.3%

15.3%VolatilityLower is calmer17.9%

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

3–5VXUS 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 VXUS: Top 5 Holdings

Today

XLF

43.8%in top 5

VXUS

in top 510.2%

XLFStockVXUS

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

9.0%Vnot top 5

6.6%MAnot top 5

not top 52330.TW4.2%

4.0%BACnot top 5

not top 5005930.K2.0%

not top 5000660.K1.7%

not top 5ASML.AS1.5%

not top 50700.HK0.8%

Held in common0.0%

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

XLF vs VXUS Returns, Every Period

SPDRXLF

+9.4%

5 years, per year

VXUSVanguard

+8.1%

5 years, per year

XLFVXUSFaded: behind in that period

2–2Level

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

Sector vs International: XLF vs IEMG

YTD

SPDRXLF

+7.2%

IEMGiShares

+11.4%

+7.2%Year to date+11.4%

−14.8%Worst drop · 1Y−17.8%

15.3%Volatility · 1Y25.7%

1.4%Yield2.4%

$53.4BAssets$146B

2–2level

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

Cost, Income and Risk

Fees: XLF, VXUS, IEMG

Today

0.05%lowest, VXUS

FundExpense ratioFee$10k

VXUS0.05%$5

XLF0.08%$8

IEMG0.09%$9

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

Yields: XLF, VXUS, IEMG

2.42%highest, IEMG

FundTrailing yieldYield$10k

IEMG2.42%$242

VXUS2.39%$239

XLF1.42%$142

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

Income After Fees on $10,000

$234most kept, VXUS

VXUS$239 − $5 = $234

IEMG$242 − $9 = $233

XLF$142 − $8 = $134

KeptFee

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

Overlap: XLF, VXUS, IEMG

Today

24.9%most shared, VXUS and IEMG

XLFVXUSIEMG

XLF—0.0%0.0%

VXUS0.0%—24.9%

IEMG0.0%24.9%—

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

Return vs Bumpiness: 3 ETFs

+15.3%VXUS, at 17.9% volatility

XLFWorst drop−14.8%15.3% vol

VXUSWorst drop−11.3%17.9% vol

IEMGWorst drop−17.8%25.7% vol

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

Paid More vs Made More

YTD

IEMGVXUS

+11.4%Year to date+11.1%

2.4%Yield2.4%

+12.8%Past year+15.3%

0.09%Fee0.05%

2–1VXUS wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

VXUS vs IXUS

YTD

VanguardVXUS

+11.1%

IXUSiShares

+11.5%

+11.1%Year to date+11.5%

2.4%Yield3.0%

$163BAssets$58.0B

2–0IXUS wins

End-of-day Nov 9, 2026

VWO vs IEMG

YTD

VanguardVWO

+5.6%

IEMGiShares

+11.4%

+5.6%Year to date+11.4%

2.2%Yield2.4%

$125BAssets$146B

2–0IEMG wins

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