Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
ITOT vs XLF: how they differ
ITOT and XLF hold 10% of their weight in the same names, and ITOT returned more over the year.
iShares Core S&P Total U.S. Stock Market ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, ITOT and XLF hold 10% of their money in the same securities at the same weight.
| Holding | ITOT | XLF |
|---|---|---|
| Berkshire Hathaway, Inc. | 1.26% | 12.10% |
| JPMorgan Chase & Co. | 1.20% | 11.57% |
| Visa, Inc. | 0.78% | 7.51% |
| Mastercard, Inc. | 0.57% | 5.47% |
| Bank of America Corp. | 0.51% | 4.91% |
| Goldman Sachs Group, Inc. (The) | 0.41% | 3.94% |
| Wells Fargo & Co. | 0.35% | 3.34% |
| Morgan Stanley | 0.34% | 3.31% |
| Citigroup, Inc. | 0.33% | 3.15% |
| American Express Co. | 0.25% | 2.38% |
| Charles Schwab Corp. (The) | 0.21% | 1.99% |
| BlackRock, Inc. | 0.19% | 1.83% |
| Only in ITOT | Only in XLF |
|---|---|
| NVIDIA Corp. 6.64% | Chubb Ltd 1.62% |
| Apple, Inc. 5.82% | Aon PLC 0.94% |
| Microsoft Corp. 3.80% | Arch Capital Group Ltd 0.45% |
| Amazon.com, Inc. 3.20% | Willis Towers Watson PLC 0.33% |
| Alphabet, Inc. 2.87% | Everest Group Ltd 0.19% |
| Broadcom, Inc. 2.45% | Invesco Ltd 0.15% |
| Alphabet, Inc. 2.29% | |
| Micron Technology, Inc. 1.78% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.
| ITOT iShares Core S&P Total U.S. Stock Market ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | iShares | State Street |
| What it is | Core S&P Total U.S. Stock Market | Financials |
| Total return, 1 year | +17.2% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −0.3 pts | −9.9 pts |
| Expense ratio | 0.03% | 0.08% |
| Already in the S&P 500 | 88.3% | 100.0% |
| Holdings | 2497 | 76 |
ITOT in plain words
ITOT is an index equity fund tracking the Core S&P Total U.S. Stock Market. Over the year to Sep 11, 2026 it returned +17.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year. By its holdings filed for Jun 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2497 positions, with the top ten at 32.2%.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, ITOT or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, ITOT returned +17.2% and XLF returned +7.6%, so ITOT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, ITOT or XLF?
- ITOT charges 0.03% a year and XLF charges 0.08%, so ITOT is cheaper. Fees come from each fund's prospectus.
- How much do ITOT and XLF overlap with the S&P 500?
- By their latest filed holdings, 88% of ITOT and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 10% of their books are the same securities at the same weight.
Other comparisons
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, ITOT against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/ITOT-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources