Data as of Oct 28, 2026.
VT vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, VT returned +13.5% to XLF's +7.6%; 6% of their weight is in the same names.
askIQ about this page
askIQ about VT and XLF
Net assets: $81.8bn on Sep 30, 2026 for Vanguard Total World Stock Index ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
VT costs 0.02 points a year less; their one-year returns differ by 5.9 points; VT is 1.6 times larger.
| Measure | VT | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | +7.6% |
| Drawdown | ||
| Below its high | 3.8%, high on Sep 3, 2026 | |
| Benchmark | ||
| What it tracks | FTSE Global All Cap Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.06% | 0.08% |
| Net assets, as of Sep 30, 2026 | $81.8bn | $51.0bn |
| Holdings | ||
| Holdings in common | 6% | |
| Top ten holdings, share of the fund | 22.5% | 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, VT and XLF hold 6% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
6% in common
Only in one fund ↓
Side by side
VT and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VT
VT tracks an index of Total World Stock. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.06% a year. By its holdings published by its issuer as of Sep 30, 2026, 55% of the fund by weight is stocks the S&P 500 also holds, across 10,194 positions, with the top ten at 22.5%.
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, VT or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, VT returned +13.5% and XLF +7.6%.
- Which is cheaper, VT or XLF?
- VT is cheaper, by 0.02 percentage points a year. That is about $2 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, VT against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/vt-vs-xlf
ETFIQ. (Oct 28, 2026). VT against XLF. Retrieved from https://etfiq.com/compare/any/vt-vs-xlf
[VT against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vt-vs-xlf)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.