Compare · 3 funds side by side · dividends reinvested

XLK, SPY and VTI

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$21,164XLK · best of the three

02 / 04

XLK, SPY and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Technology Select Sector SPDR ETFSectors · Technology0.08%0.51%+14.8%+12.2%+26.2%+16.2%−19.6%28.5%$108B1.9

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B2.0

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$778B2.1

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

End-of-day Nov 6, 2026 · returns include dividends · since: XLK 1998 · SPY 1993 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

State Street Technology Select Sector SPDR ETF · $108B$21,164

XLK

SPY

State Street SPDR S&P 500 ETF · $778B$17,118

$10,000 five years ago, dividends reinvested · they hold 35.5% in common

XLKMeasureSPY

+14.8%Year to dateJan 1 → Nov 6+8.7%

+12.2%1 yearTotal return+9.7%

+26.2%3 years · per year$10,000 became $20,083 · $18,039+21.7%

+16.2%5 years · per year$10,000 became $21,164 · $17,118+11.3%

0.08%Expense ratio$8 · $9 a year on $10k · lower is better0.09%

0.51%Trailing 12-mo yield$51 · $103 a year on $10k1.03%

−19.6%Worst dropSmaller is better−8.9%

28.5%VolatilityLower is calmer13.6%

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

5–3XLK wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLK vs SPY: Top 5 Holdings

Today

XLK

53.7%in top 5

SPY

in top 527.8%

XLKStockSPY

16.9%AAPL7.9%

14.8%NVDA6.9%

13.4%MSFT6.3%

4.7%AVGOnot top 5

not top 5AMZN4.0%

4.0%AMDnot top 5

not top 5GOOGL2.6%

Held in common35.5%

End-of-day Nov 6, 2026 · share of each fund

XLK vs SPY Returns, Every Period

SPDRXLK

+16.2%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

XLKSPYFaded: behind in that period

4–0XLK wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Sector vs Core: XLK vs VTI

YTD

SPDRXLK

+14.8%

VTIVanguard

+8.9%

+14.8%Year to date+8.9%

−19.6%Worst drop · 1Y−8.9%

28.5%Volatility · 1Y13.7%

0.5%Yield1.1%

$108BAssets$689B

3–1VTI wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLK, SPY, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

XLK0.08%$8

SPY0.09%$9

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: XLK, SPY, VTI

1.09%highest, VTI

FundTrailing yieldYield$10k

VTI1.09%$109

SPY1.03%$103

XLK0.51%$51

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$106most kept, VTI

VTI$109 − $3 = $106

SPY$103 − $9 = $94

XLK$51 − $8 = $43

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: XLK, SPY, VTI

Today

85.5%most shared, SPY and VTI

XLKSPYVTI

XLK—35.5%35.1%

SPY35.5%—85.5%

VTI35.1%85.5%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+12.2%XLK, at 28.5% volatility

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

XLKWorst drop−19.6%28.5% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VTIXLK

+8.9%Year to date+14.8%

1.1%Yield0.5%

+9.9%Past year+12.2%

0.03%Fee0.08%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 6, 2026

XLK vs VGT

YTD

SPDRXLK

+14.8%

VGTVanguard

+15.6%

+14.8%Year to date+15.6%

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

$108BAssets$155B

1–1level

End-of-day Nov 6, 2026