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Data as of Oct 28, 2026.

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VTIP vs XLK: Differences, Returns & Fees

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Over the year to Oct 28, 2026, VTIP returned +2.2% to XLK's +27.1%; 0% of their weight is in the same names.

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Net assets: $20.9bn on Sep 30, 2026 for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares, and $125.0bn on Oct 27, 2026 for State Street Technology Select Sector SPDR ETF.

VTIP on its own →XLK on its own →
At a glance
+2.2%
VTIP total return, 1 year
+27.1%
XLK total return, 1 year
0.03%
VTIP expense ratio
0.08%
XLK expense ratio

Pair scorecard

VTIP costs 0.05 points a year less; their one-year returns differ by 24.9 points; XLK is 6.1 times larger.

VTIP vs XLK: Differences, Returns & Fees
MeasureVTIPXLK
Return
Total return, 1 year+2.2%+27.1%
Drawdown
Below its high5.4%, high on Oct 6, 2026
Benchmark
What it tracksBloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years IndexTechnology Select Sector Index
Cost and size
Expense ratio0.03%0.08%
Net assets, as of Sep 30, 2026$20.9bn$127.3bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund64.6%

Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, VTIP and XLK hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first VTIP XLK
Only in one fund ↓
Only in VTIP
United States Treasury Inflation Indexed Bonds 5.30%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.14%
United States Treasury Inflation Indexed Bonds 4.97%
United States Treasury Inflation Indexed Bonds 4.96%
United States Treasury Inflation Indexed Bonds 4.87%
United States Treasury Inflation Indexed Bonds 4.83%
Only in XLK
NVIDIA CORP 15.22%
APPLE INC 14.62%
MICROSOFT CORP 11.38%
ADVANCED MICRO DEVICES 4.78%
BROADCOM INC 4.70%
MICRON TECHNOLOGY INC 4.02%
INTEL CORP 2.72%
PALANTIR TECHNOLOGIES INC A 2.67%
Check overlap with more funds →

Side by side

VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares XLK State Street Technology Select Sector SPDR ETF
Where it sits Bond ETF Stock ETF
Issuer Vanguard State Street
What it is Tracks an index of Short-Term Inflation-Protected Securities Tracks an index of Technology
Total return, 1 year +2.2% +27.1%
Its benchmark over the same days not measured +13.6% (SPY)
Gap to its benchmark not measured +13.5 pts vs SPY
Expense ratio 0.03% 0.08%
Holdings 26 76
Net assets, VTIP as of Sep 30, 2026 and XLK as of Oct 27, 2026 $20.9bn $125.0bn

VTIP and XLK on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

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About each fund
VTIP

VTIP tracks an index of Short-Term Inflation-Protected Securities. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested. The prospectus expense ratio is 0.03% a year.

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, VTIP or XLK?
In the year to Oct 28, 2026, with distributions reinvested, VTIP returned +2.2% and XLK +27.1%.
Which is cheaper, VTIP or XLK?
VTIP 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.
Other comparisons
VGT vs VTIPIYW vs VTIPFTEC vs VTIPIGM vs VTIPHYG vs XLKBINC vs XLKSCHP vs XLKTIP vs XLK
Where to next
VTIP on its own →XLK on its own →Hold both: look the portfolio through →Rankings →VTIP dividend history →VTIP holdings →XLK dividend history →XLK holdings →Standards and sources →
Sources and dates
VTIP filings on SEC EDGAR ↗
VTIP prospectus with the expense ratio (SEC) ↗
Vanguard page for VTIP ↗
XLK filings on SEC EDGAR ↗
XLK prospectus with the expense ratio (SEC) ↗
State Street website ↗

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, VTIP against XLK, data as of Oct 28, 2026. https://etfiq.com/compare/any/vtip-vs-xlk

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.