Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
VGIT vs XLC: how they differ
VGIT and XLC hold 0% of their weight in the same names, and VGIT returned more over the year.
Vanguard Intermediate-Term Treasury Index Fund and State Street(R) Communication Services Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, VGIT and XLC hold 0% of their money in the same securities at the same weight.
| Only in VGIT | Only in XLC |
|---|---|
| United States Treasury Note/Bond 1.97% | META PLATFORMS INC CLASS A 18.92% |
| United States Treasury Note/Bond 1.94% | ALPHABET INC CL A 10.12% |
| United States Treasury Note/Bond 1.92% | ALPHABET INC CL C 8.10% |
| United States Treasury Note/Bond 1.92% | AT+T INC 5.19% |
| United States Treasury Note/Bond 1.92% | VERIZON COMMUNICATIONS INC 5.03% |
| United States Treasury Note/Bond 1.89% | WALT DISNEY CO/THE 4.76% |
| United States Treasury Note/Bond 1.89% | WARNER BROS DISCOVERY INC 4.61% |
| United States Treasury Note/Bond 1.87% | COMCAST CORP CLASS A 4.61% |
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 May 31, 2026 and Sep 10, 2026.
| VGIT Vanguard Intermediate-Term Treasury Index Fund | XLC State Street(R) Communication Services Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Vanguard | State Street |
| What it is | Intermediate-Term Treasury | Communication services |
| Total return, 1 year | −1.2% | −2.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −18.7 pts | −19.5 pts |
| Expense ratio | 0.03% | 0.08% |
| Holdings | 103 | 26 |
VGIT in plain words
VGIT is a bond fund tracking the Intermediate-Term Treasury. Over the year to Sep 11, 2026 it returned −1.2% 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. It sat 3.7% below its high of Aug 4, 2020 on Sep 11, 2026.
XLC in plain words
XLC is an index equity fund tracking the Communication services. Over the year to Sep 11, 2026 it returned −2.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 26 positions, with the top ten at 70.4%. It sat 5.7% below its high of Jan 30, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, VGIT or XLC?
- In the year to Sep 13, 2026, with distributions reinvested, VGIT returned −1.2% and XLC returned −2.0%, so VGIT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VGIT or XLC?
- VGIT charges 0.03% a year and XLC charges 0.08%, so VGIT is cheaper. Fees come from each fund's prospectus.
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, VGIT against XLC, data as of Sep 13, 2026. https://etfiq.com/compare/any/vgit-vs-xlc Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources