Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VOOG vs XLF: how they differ
VOOG and XLF hold 8% of their weight in the same names, and VOOG returned more over the year.
Vanguard S&P 500 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, VOOG and XLF hold 8% of their money in the same securities at the same weight.
| Holding | VOOG | XLF |
|---|---|---|
| Berkshire Hathaway Inc | 2.42% | 12.10% |
| JPMorgan Chase & Co | 1.43% | 11.57% |
| Visa Inc | 0.84% | 7.51% |
| Mastercard Inc | 0.75% | 5.47% |
| Goldman Sachs Group Inc/The | 0.53% | 3.94% |
| Morgan Stanley | 0.42% | 3.31% |
| American Express Co | 0.32% | 2.38% |
| Robinhood Markets Inc | 0.21% | 1.05% |
| Progressive Corp/The | 0.17% | 1.68% |
| Bank of New York Mellon Corp/The | 0.17% | 1.31% |
| S&P Global Inc | 0.16% | 1.63% |
| CME Group Inc | 0.15% | 1.06% |
| Only in VOOG | Only in XLF |
|---|---|
| NVIDIA Corp 14.29% | Bank of America Corp 4.91% |
| Microsoft Corp 9.31% | Wells Fargo & Co 3.34% |
| Apple Inc 6.38% | Citigroup Inc 3.15% |
| Alphabet Inc 6.17% | Charles Schwab Corp/The 1.99% |
| Broadcom Inc 5.90% | Blackrock Inc 1.83% |
| Alphabet Inc 4.90% | Capital One Financial Corp 1.65% |
| Amazon.com Inc 3.90% | Chubb Ltd 1.62% |
| Meta Platforms Inc 3.85% | PNC Financial Services Group Inc/The 1.30% |
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 and May 31, 2026.
| VOOG Vanguard S&P 500 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 | S&P 500 Growth | Financials |
| Total return, 1 year | +17.8% | +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 | 0.05% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 146 | 76 |
VOOG in plain words
VOOG is an index equity fund tracking the S&P 500 Growth. Over the year to Sep 11, 2026 it returned +17.8% 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 May 31, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 146 positions, with the top ten at 60.2%.
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, VOOG or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, VOOG returned +17.8% and XLF returned +7.6%, so VOOG returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VOOG or XLF?
- VOOG charges 0.05% a year and XLF charges 0.08%, so VOOG is cheaper. Fees come from each fund's prospectus.
- How much do VOOG and XLF overlap with the S&P 500?
- By their latest filed holdings, 100% of VOOG and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 8% 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, VOOG against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/VOOG-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources