VFH vs XLF

AVFH

BXLF

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$17,749VOO · XLF $15,353

Lowest cost0.03%VOO · $3 on $10k

Most income1.69%VFH · $169 on $10k

Smallest drop−8.9%VOO · worst fall in 1Y

Held in common85.4%VFH and XLF

VFH

XLF

Vanguard Financials ETF · $12.7BState Street Financial Select Sector SPDR ETF · $54.2B

+24.5%3 years · per year$19,298 · $19,057+24.0%

+8.9%5 years · per year$15,281 · $15,353+9.0%

0.09%Expense ratio$9 · $8 on $10k · lower wins0.08%

1.69%12-mo yield$169 · $144 on $10k1.44%

−14.7%Worst dropSmaller wins−14.8%

14.8%VolatilityLower wins14.6%

3–3Level

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVFH · XLF

10.4%JPM11.4%

8.3%BRK-B12.6%

7.1%V8.7%

5.3%MA6.4%

Held in common85.4%

End-of-day Nov 3, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$1.00T
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.9%	+24.0%	+9.0%	−14.8%	$54.2B
3	AVFH	Vanguard Financials ETFRead Desk	0.09%	1.69%	−0.7%	+5.4%	+10.9%	+24.5%	+8.9%	−14.7%	$12.7B

End-of-day Nov 3, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$1.00T
2	BXLF	State Street Financial Select Sector SPDR ETFRead Desk	0.08%	1.44%	−0.6%	+5.7%	+10.9%	+24.0%	+9.0%	−14.8%	$54.2B
3	AVFH	Vanguard Financials ETFRead Desk	0.09%	1.69%	−0.7%	+5.4%	+10.9%	+24.5%	+8.9%	−14.7%	$12.7B

End-of-day Nov 3, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

VFH vs XLF

VFH

Vanguard Financials

$15,281

XLF

Financial Select Sector SPDR

$15,353

MeasureVFHXLF

Fee0.09%0.08%

Cost on $10k a year$9$8

Yield1.69%1.44%

5 years, per year+8.9%+9.0%

3 years, per year+24.5%+24.0%

Worst drop · 1Y−14.7%−14.8%

Volatility · 1Y14.8%14.6%

3–3measures won
level

85.4%

holdings shared

Nov 3, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.5%

SPYSPDR

+11.5%

+11.5%Year to date+11.5%

1.0%Yield1.0%

$185BAssets$798B

0–0level

End-of-day Nov 3, 2026

VOO vs IVV

YTD

VanguardVOO

+11.5%

IVViShares

+11.6%

+11.5%Year to date+11.6%

1.1%Yield1.1%

$1.00TAssets$872B

1–0IVV wins

End-of-day Nov 3, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

Overlap: VFH, XLF, VOO

Today

85.4%most shared, VFH and XLF

VFHXLFVOO

VFH—85.4%11.3%

XLF85.4%—11.3%

VOO11.3%11.3%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$160most kept, VFH

VFH$169 − $9 = $160

XLF$144 − $8 = $136

VOO$107 − $3 = $104

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee