Compare · 3 funds side by side · dividends reinvested

XLP, VTI and SPY

02 / 04

Search ETFs and stocks

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,358SPY · best of the three

Story of the three · IncomeMost incomeXLP · 2.41% · $241 a year on $10k

Story of the three · RiskSmallest drop

XLP, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.07%+11.2%+13.2%+21.2%+10.6%−8.9%13.9%$689B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+10.8%+13.0%+21.4%+11.7%−8.9%13.8%$792B2.0

State Street Consumer Staples Select Sector SPDR ETFSectors · Consumer0.08%2.41%+19.4%+21.9%+12.8%+7.7%−9.7%15.7%$14.5B2.1

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

End-of-day Nov 10, 2026 · returns include dividends · since: XLP 1998 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street Consumer Staples Select Sector SPDR ETF · $14.5B$14,461

XLP

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,585

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

XLPMeasure

More Ways to See the Pairs

XLP vs VTI: Top 5 Holdings

Today

XLP

42.0%in top 5

VTI

in top 525.0%

XLPStockVTI

11.2%WMTnot top 5

9.5%COSTnot top 5

7.8%PGnot top 5

7.5%KOnot top 5

not top 5NVDA7.1%

Cost, Income and Risk

Fees: XLP, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

XLP0.08%$8

SPY0.09%$9

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

Yields: XLP, VTI, SPY

1Y

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 10, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.2%

ITOTiShares

+11.0%

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

VTI

+19.4%Year to dateJan 1 → Nov 10+11.2%

+21.9%1 yearTotal return+13.2%

+12.8%3 years · per year$10,000 became $14,360 · $17,823+21.2%

+7.7%5 years · per year$10,000 became $14,461 · $16,585+10.6%

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

2.41%Trailing 12-mo yield$241 · $107 a year on $10k1.07%

−9.7%Worst dropSmaller is better−8.9%

15.7%VolatilityLower is calmer13.9%

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

3–5VTI wins

End-of-day Nov 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

not top 5AAPL6.6%

6.0%PMnot top 5

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

Held in common3.9%

End-of-day Nov 10, 2026 · share of each fund

XLP vs VTI Returns, Every Period

5Y

SPDRXLP

+7.7%

5 years, per year

VTIVanguard

+10.6%

5 years, per year

XLPVTIFaded: behind in that period

2–2Level

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

Sector vs Core: XLP vs VTI

YTD

SPDRXLP

+19.4%

VTIVanguard

+11.2%

+19.4%Year to date+11.2%

−9.7%Worst drop · 1Y−8.9%

15.7%Volatility · 1Y13.9%

2.4%Yield1.1%

$14.5BAssets$689B

2–2level

End-of-day Nov 10, 2026 · smaller drop and lower volatility win

2.41%highest, XLP

FundTrailing yieldYield$10k

XLP2.41%$241

VTI1.07%$107

SPY1.01%$101

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$233most kept, XLP

XLP$241 − $8 = $233

VTI$107 − $3 = $104

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: XLP, VTI, SPY

Today

86.1%most shared, VTI and SPY

XLPVTISPY

XLP—3.9%5.1%

VTI3.9%—86.1%

SPY5.1%86.1%—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+21.9%XLP, at 15.7% volatility

SPYWorst drop−8.9%13.8% vol

VTIWorst drop−8.9%13.9% vol

XLPWorst drop−9.7%15.7% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

XLPVTI

+19.4%Year to date+11.2%

2.4%Yield1.1%

+21.9%Past year+13.2%

0.08%Fee0.03%

3–1XLP wins

End-of-day Nov 10, 2026

+11.2%Year to date+11.0%

1.1%Yield1.0%

$689BAssets$95.3B

2–0VTI wins

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

Loading…

XLP, VTI and SPY

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three