Data as of Oct 28, 2026.
VTI vs XLK: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to XLK's +27.1%; 35% of their weight is in the same names.
askIQ about this page
askIQ about VTI and XLK
Net assets: $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF, and $125.0bn on Oct 27, 2026 for State Street Technology Select Sector SPDR ETF.
Pair scorecard
VTI costs 0.05 points a year less; their one-year returns differ by 13.6 points; VTI is 5.4 times larger.
| Measure | VTI | XLK |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | +27.1% |
| Drawdown | ||
| Below its high | 5.4%, high on Oct 6, 2026 | |
| Benchmark | ||
| What it tracks | Morningstar US Total Market Index | Technology Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $127.3bn |
| Holdings | ||
| Holdings in common | 35% | |
| Top ten holdings, share of the fund | 34.7% | 64.6% |
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 returnsXLK returned more: +1,607.4% to +898.9%. VTI swung less: 17.8% to 21.9%. VTI fell slightly less at its worst: −54.8% to −59.0%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | XLK | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +898.9% | +1,607.4% | XLK | Price change plus distributions, reinvested. |
| Annualized | +9.5% | +11.8% | XLK | Total return as a yearly rate. |
| Price return | +540.9% | +1,162.3% | XLK | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.8% | 21.9% | VTI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.7% | 15.2% | VTI | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −54.8% | −59.0% | VTI (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.50 | 0.54 | XLK (slight) | Return above Treasury bills per unit of volatility. |
| Sortino | 0.70 | 0.78 | XLK (slight) | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.17 | 0.20 | XLK | 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 XLK hold 35% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
35% in common
Only in one fund ↓
Side by side
VTI and XLK on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI and XLK do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and XLK follows Technology Select Sector Index.
- Holdings in common. 35% 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 XLK +27.1% with distributions reinvested, a gap of 13.6 points.
Data as of Oct 28, 2026.
The two-page PDF for this pair is coming. Save the comparison to follow its changes. Free. It needs an email sign-in, once.
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%.
XLK
XLK tracks an index of Technology. Over the year to Oct 28, 2026 it returned +27.1% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. 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 76 positions, with the top ten at 64.6%. It sat 5.4% below its high of Oct 6, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VTI or XLK?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and XLK +27.1%.
- Which is cheaper, VTI or XLK?
- 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.
Cite this pageCitation, APA and Markdown
ETFIQ, VTI against XLK, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-xlk
ETFIQ. (Oct 28, 2026). VTI against XLK. Retrieved from https://etfiq.com/compare/any/vti-vs-xlk
[VTI against XLK (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-xlk)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.