Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
VGLT vs XLF: how they differ
VGLT and XLF hold 0% of their weight in the same names, and XLF returned more over the year.
Vanguard Long-Term Treasury Index Fund and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, VGLT and XLF hold 0% of their money in the same securities at the same weight.
| Only in VGLT | Only in XLF |
|---|---|
| JPMorgan Chase & Co 0.62% | JPMORGAN CHASE + CO 11.81% |
| Mexico Government International Bond 0.50% | BERKSHIRE HATHAWAY INC CL B 11.59% |
| United States Treasury Note/Bond 0.49% | VISA INC CLASS A SHARES 7.60% |
| United States Treasury Note/Bond 0.48% | MASTERCARD INC A 5.69% |
| United States Treasury Note/Bond 0.48% | BANK OF AMERICA CORP 5.09% |
| Mexico Government International Bond 0.48% | GOLDMAN SACHS GROUP INC 3.75% |
| United States Treasury Note/Bond 0.44% | WELLS FARGO + CO 3.41% |
| Province of British Columbia Canada 0.43% | MORGAN STANLEY 3.18% |
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 Apr 30, 2026 and Sep 10, 2026.
| VGLT Vanguard Long-Term Treasury 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 | Long-term Treasury | Financials |
| Total return, 1 year | −5.4% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −22.9 pts | −9.9 pts |
| Expense ratio | not published | 0.08% |
| Holdings | 1703 | 79 |
VGLT in plain words
VGLT is a bond fund tracking the Long-term Treasury. Over the year to Sep 11, 2026 it returned −5.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. It sat 39.2% below its high of Aug 4, 2020 on Sep 11, 2026.
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 Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 79 positions, with the top ten at 57.3%.
Questions people ask
- Which returned more over the last year, VGLT or XLF?
- In the year to Sep 13, 2026, with distributions reinvested, VGLT returned −5.4% and XLF returned +7.6%, so XLF returned more. One year is one year; the longer windows are in the table.
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, VGLT against XLF, data as of Sep 13, 2026. https://etfiq.com/compare/any/vglt-vs-xlf Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources