Which returned more over the last year, VTIP or XBI?

In the year to Sep 12, 2026, with distributions reinvested, VTIP returned +1.7% and XBI returned +64.0%, so XBI returned more. One year is one year; the longer windows are in the table.

Which is cheaper, VTIP or XBI?

VTIP charges 0.03% a year and XBI charges 0.35%, so VTIP is cheaper. Fees come from each fund's prospectus.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

VTIP vs XBI: how they differ

VTIP and XBI hold 0% of their weight in the same names, and XBI returned more over the year.

Vanguard Short-Term Inflation-Protected Securities Index Fund and State Street(R) SPDR(R) S&P(R) Biotech ETF.

What they hold in common

By the books each fund has filed, VTIP and XBI hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in VTIP	Only in XBI
United States Treasury Inflation Indexed 5.44%	Apogee Therapeutics Inc 1.49%
United States Treasury Inflation Indexed 5.38%	Moderna Inc 1.41%
United States Treasury Inflation Indexed 5.36%	Twist Bioscience Corp 1.41%
United States Treasury Inflation Indexed 5.19%	Oruka Therapeutics Inc 1.38%
United States Treasury Inflation Indexed 5.02%	Kymera Therapeutics Inc 1.36%
United States Treasury Inflation Indexed 4.88%	Viking Therapeutics Inc 1.31%
United States Treasury Inflation Indexed 4.87%	Praxis Precision Medicines Inc 1.29%
United States Treasury Inflation Indexed 4.79%	Erasca Inc 1.27%

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.

VTIP and XBI on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund	XBI State Street(R) SPDR(R) S&P(R) Biotech ETF
Where it sits	Core index fund	Core index fund
Issuer	Vanguard	State Street
What it is	Short-Term Inflation-Protected Securities	SPDR S&P Biotech
Total return, 1 year	+1.7%	+64.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−15.8 pts	+46.5 pts
Expense ratio	0.03%	0.35%
Holdings	25	150

VTIP in plain words

VTIP is a bond fund tracking the Short-Term Inflation-Protected Securities. Over the year to Sep 11, 2026 it returned +1.7% 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.

XBI in plain words

XBI is an index equity fund tracking the SPDR S&P Biotech. Over the year to Sep 11, 2026 it returned +64.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Jun 30, 2026, 8% of the fund by weight is stocks the S&P 500 also holds, across 150 positions, with the top ten at 13.3%. It sat 9.6% below its high of Feb 8, 2021 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, VTIP or XBI?: In the year to Sep 12, 2026, with distributions reinvested, VTIP returned +1.7% and XBI returned +64.0%, so XBI returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VTIP or XBI?: VTIP charges 0.03% a year and XBI charges 0.35%, so VTIP is cheaper. Fees come from each fund's prospectus.

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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.

VTIP against XBI, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, VTIP against XBI, data as of Sep 12, 2026. https://etfiq.com/compare/any/VTIP-XBI Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources