Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
VIG vs XLF: how they differ
VIG and XLF hold 0% of their weight in the same names, and VIG returned more over the year.
Vanguard Dividend Appreciation Index Fund and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, VIG and XLF hold 0% of their money in the same securities at the same weight.
| Only in VIG | Only in XLF |
|---|---|
| Broadcom Inc 5.21% | JPMORGAN CHASE + CO 11.81% |
| Apple Inc 4.10% | BERKSHIRE HATHAWAY INC CL B 11.59% |
| Microsoft Corp 3.99% | VISA INC CLASS A SHARES 7.60% |
| JPMorgan Chase & Co 3.61% | MASTERCARD INC A 5.69% |
| Eli Lilly & Co 3.36% | BANK OF AMERICA CORP 5.09% |
| Exxon Mobil Corp 2.92% | GOLDMAN SACHS GROUP INC 3.75% |
| Walmart Inc 2.62% | WELLS FARGO + CO 3.41% |
| Johnson & Johnson 2.51% | 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.
| VIG Vanguard Dividend Appreciation 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 | Dividend growth | Financials |
| Total return, 1 year | +12.4% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −5.1 pts | −9.9 pts |
| Expense ratio | 0.04% | 0.08% |
| Already in the S&P 500 | 95.7% | 100.0% |
| Holdings | 332 | 79 |
VIG in plain words
VIG is an index equity fund tracking the Dividend growth. Over the year to Sep 11, 2026 it returned +12.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.04% a year. By its holdings filed for Apr 30, 2026, 96% of the fund by weight is stocks the S&P 500 also holds, across 332 positions, with the top ten at 32.7%.
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, VIG or XLF?
- In the year to Sep 13, 2026, with distributions reinvested, VIG returned +12.4% and XLF returned +7.6%, so VIG returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VIG or XLF?
- VIG charges 0.04% a year and XLF charges 0.08%, so VIG is cheaper. Fees come from each fund's prospectus.
- How much do VIG and XLF overlap with the S&P 500?
- By their latest filed holdings, 96% of VIG and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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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, VIG against XLF, data as of Sep 13, 2026. https://etfiq.com/compare/any/vig-vs-xlf Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources