Data as of Oct 28, 2026.
VTI vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to XLF's +7.6%; 10% 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 $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
VTI costs 0.05 points a year less; their one-year returns differ by 5.9 points; VTI is 13.5 times larger.
| Measure | VTI | 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 | Morningstar US Total Market Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $51.0bn |
| Holdings | ||
| Holdings in common | 10% | |
| Top ten holdings, share of the fund | 34.7% | 57.4% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Jun 8, 2001 to Oct 23, 2026 · 1,324 weekly returnsVTI returned more: +898.9% to +302.1%. VTI swung less: 17.8% to 25.8%. VTI fell less at its worst: −54.8% to −82.7%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | XLF | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +898.9% | +302.1% | VTI | Price change plus distributions, reinvested. |
| Annualized | +9.5% | +5.6% | VTI | Total return as a yearly rate. |
| Price return | +540.9% | +96.6% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.8% | 25.8% | VTI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.7% | 17.7% | VTI | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −54.8% | −82.7% | VTI | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.50 | 0.27 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.70 | 0.40 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.17 | 0.07 | VTI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,324 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTI and XLF hold 10% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
10% in common
Only in one fund ↓
Side by side
VTI and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI and XLF do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and XLF follows Financial Select Sector Index.
- Holdings in common. 10% of the weight is in the same securities (holdings dated Sep 30, 2026 and Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 VTI returned +13.5% and XLF +7.6% with distributions reinvested, a gap of 5.9 points.
Data as of Oct 28, 2026.
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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%.
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, VTI or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and XLF +7.6%.
- Which is cheaper, VTI or XLF?
- 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 XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-xlf
ETFIQ. (Oct 28, 2026). VTI against XLF. Retrieved from https://etfiq.com/compare/any/vti-vs-xlf
[VTI against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-xlf)
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