Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VBK vs XLF: how they differ
VBK and XLF hold 0% of their weight in the same names, and VBK returned more over the year.
Vanguard Small-Cap Growth Index Fund and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, VBK and XLF hold 0% of their money in the same securities at the same weight.
| Holding | VBK | XLF |
|---|---|---|
| Jack Henry & Associates Inc | 0.28% | 0.13% |
| FactSet Research Systems Inc | 0.24% | 0.11% |
| Erie Indemnity Co | 0.17% | 0.08% |
| Only in VBK | Only in XLF |
|---|---|
| Credo Technology Group Holding Ltd 1.27% | Berkshire Hathaway Inc 12.10% |
| REVOLUTION Medicines Inc 1.07% | JPMorgan Chase & Co 11.57% |
| Astera Labs Inc 1.05% | Visa Inc 7.51% |
| Natera Inc 1.04% | Mastercard Inc 5.47% |
| Twilio Inc 0.88% | Bank of America Corp 4.91% |
| Casey's General Stores Inc 0.83% | Goldman Sachs Group Inc/The 3.94% |
| Carpenter Technology Corp 0.82% | Wells Fargo & Co 3.34% |
| Curtiss-Wright Corp 0.79% | Morgan Stanley 3.31% |
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.
| VBK Vanguard Small-Cap Growth Index Fund | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Vanguard | State Street |
| What it is | Small-Cap Growth | Financials |
| Total return, 1 year | +13.8% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −3.7 pts | −9.9 pts |
| Expense ratio | 0.05% | 0.08% |
| Already in the S&P 500 | 10.2% | 100.0% |
| Holdings | 545 | 76 |
VBK in plain words
VBK is an index equity fund tracking the Small-Cap Growth. Over the year to Sep 11, 2026 it returned +13.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.05% a year. By its holdings filed for Jun 30, 2026, 10% of the fund by weight is stocks the S&P 500 also holds, across 545 positions, with the top ten at 9.3%. It sat 7.0% below its high of Aug 17, 2026 on Sep 11, 2026.
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, VBK or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, VBK returned +13.8% and XLF returned +7.6%, so VBK returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VBK or XLF?
- VBK charges 0.05% a year and XLF charges 0.08%, so VBK is cheaper. Fees come from each fund's prospectus.
- How much do VBK and XLF overlap with the S&P 500?
- By their latest filed holdings, 10% of VBK and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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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, VBK against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/VBK-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources