Data as of Oct 28, 2026.
VCIT vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, VCIT returned −1.8% to XLF's +7.6%; 0% of their weight is in the same names.
askIQ about this page
askIQ about VCIT and XLF
Net assets: $66.6bn on Sep 30, 2026 for Vanguard Intermediate-Term Corporate Bond ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
VCIT costs 0.05 points a year less; their one-year returns differ by 9.4 points; VCIT is 1.3 times larger.
| Measure | VCIT | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | −1.8% | +7.6% |
| Drawdown | ||
| Below its high | 3.2%, high on Feb 27, 2026 | 3.8%, high on Sep 3, 2026 |
| Benchmark | ||
| What it tracks | Bloomberg U.S. 5-10 Year Corporate Bond Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $66.6bn | $51.0bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 57.4% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, VCIT and XLF hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
VCIT and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VCIT
VCIT tracks an index of Intermediate-Term Corporate Bond. Over the year to Oct 28, 2026 it returned −1.8% with distributions reinvested, against −1.8% for its benchmark, the Bloomberg U.S. 5-10 Year Corporate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.2% below its high of Feb 27, 2026 on Oct 28, 2026.
XLF
XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. 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 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VCIT or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, VCIT returned −1.8% and XLF +7.6%.
- Which is cheaper, VCIT or XLF?
- VCIT 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.
Cite this pageCitation, APA and Markdown
ETFIQ, VCIT against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/vcit-vs-xlf
ETFIQ. (Oct 28, 2026). VCIT against XLF. Retrieved from https://etfiq.com/compare/any/vcit-vs-xlf
[VCIT against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vcit-vs-xlf)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.