Data as of Oct 28, 2026.
ITOT vs XLK: Differences, Returns & Fees
Over the year to Oct 28, 2026, ITOT returned +13.4% to XLK's +27.1%; 34% of their weight is in the same names.
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Net assets on Oct 27, 2026: $97.1bn for iShares Core S&P Total U.S. Stock Market ETF and $125.0bn for State Street Technology Select Sector SPDR ETF.
Pair scorecard
ITOT costs 0.05 points a year less; their one-year returns differ by 13.7 points; XLK is 1.3 times larger.
| Measure | ITOT | XLK |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.4% | +27.1% |
| Drawdown | ||
| Below its high | 5.4%, high on Oct 6, 2026 | |
| Benchmark | ||
| What it tracks | S&P Total Market Index (TMI) | Technology Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Oct 27, 2026 | $97.1bn | $125.0bn |
| Holdings | ||
| Holdings in common | 34% | |
| Top ten holdings, share of the fund | 33.9% | 64.6% |
Holdings in common uses holdings dated Oct 27, 2026. Method
Risk and return
Jan 30, 2004 to Oct 23, 2026 · 1,186 weekly returnsXLK returned more: +2,210.0% to +886.3%. ITOT swung less: 17.3% to 20.4%. XLK fell slightly less at its worst: −50.7% to −54.7%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | ITOT | XLK | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +886.3% | +2,210.0% | XLK | Price change plus distributions, reinvested. |
| Annualized | +10.6% | +14.8% | XLK | Total return as a yearly rate. |
| Price return | +567.2% | +1,624.5% | XLK | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.3% | 20.4% | ITOT | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.2% | 13.8% | ITOT | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −54.7% | −50.7% | XLK (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.56 | 0.69 | XLK | Return above Treasury bills per unit of volatility. |
| Sortino | 0.80 | 1.02 | XLK | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.19 | 0.29 | XLK | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,186 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, ITOT and XLK hold 34% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
34% in common
Only in one fund ↓
Side by side
ITOT and XLK on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
ITOT and XLK do different jobs. What does each one do in a portfolio?
- What each follows. ITOT follows S&P Total Market Index (TMI) and XLK follows Technology Select Sector Index.
- Holdings in common. 34% of the weight is in the same securities (holdings dated Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 ITOT returned +13.4% and XLK +27.1% with distributions reinvested, a gap of 13.7 points.
Data as of Oct 28, 2026.
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ITOT
ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.
XLK
XLK tracks an index of Technology. Over the year to Oct 28, 2026 it returned +27.1% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 64.6%. It sat 5.4% below its high of Oct 6, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, ITOT or XLK?
- In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and XLK +27.1%.
- Which is cheaper, ITOT or XLK?
- ITOT is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, ITOT against XLK, data as of Oct 28, 2026. https://etfiq.com/compare/any/itot-vs-xlk
ETFIQ. (Oct 28, 2026). ITOT against XLK. Retrieved from https://etfiq.com/compare/any/itot-vs-xlk
[ITOT against XLK (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/itot-vs-xlk)
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