Data as of Oct 28, 2026.
VTI vs XLC: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to XLC's −10.4%; 9% of their weight is in the same names.
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Net assets: $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF, and $22.1bn on Oct 27, 2026 for State Street Communication Services Select Sector SPDR ETF.
Pair scorecard
VTI costs 0.05 points a year less; their one-year returns differ by 23.9 points; VTI is far larger, $689.2bn against $22.5bn.
| Measure | VTI | XLC |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | −10.4% |
| Drawdown | ||
| Below its high | 13.3%, high on Jan 30, 2026 | |
| Benchmark | ||
| What it tracks | Morningstar US Total Market Index | Communication Services Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $22.5bn |
| Holdings | ||
| Holdings in common | 9% | |
| Top ten holdings, share of the fund | 34.7% | 75.3% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, VTI and XLC hold 9% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
9% in common
Only in one fund ↓
Side by side
VTI and XLC on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
XLC
XLC tracks an index of Communication services. Over the year to Oct 28, 2026 it returned −10.4% 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 23 positions, with the top ten at 75.3%. It sat 13.3% below its high of Jan 30, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VTI or XLC?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and XLC −10.4%.
- Which is cheaper, VTI or XLC?
- VTI 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.
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ETFIQ, VTI against XLC, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-xlc
ETFIQ. (Oct 28, 2026). VTI against XLC. Retrieved from https://etfiq.com/compare/any/vti-vs-xlc
[VTI against XLC (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-xlc)
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