Data as of Oct 28, 2026.
VTV vs XLU: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTV returned +23.5% to XLU's −3.0%; 4% of their weight is in the same names.
askIQ about this page
askIQ about VTV and XLU
Net assets: $184.2bn on Sep 30, 2026 for Vanguard Morningstar Value ETF, and $23.9bn on Oct 27, 2026 for State Street Utilities Select Sector SPDR ETF.
Pair scorecard
VTV costs 0.05 points a year less; their one-year returns differ by 26.5 points; VTV is 8.6 times larger.
| Measure | VTV | XLU |
|---|---|---|
| Return | ||
| Total return, 1 year | +23.5% | −3.0% |
| Drawdown | ||
| Below its high | 9.1%, high on Feb 27, 2026 | |
| Benchmark | ||
| What it tracks | Morningstar US Large Cap Value Index | Utilities Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $184.2bn | $21.3bn |
| Holdings | ||
| Holdings in common | 4% | |
| Top ten holdings, share of the fund | 23.6% | 58.7% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Feb 6, 2004 to Oct 23, 2026 · 1,185 weekly returnsVTV returned slightly more: +716.5% to +688.5%. VTV swung slightly less: 17.2% to 17.7%. XLU fell less at its worst: −45.2% to −59.1%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTV | XLU | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +716.5% | +688.5% | VTV (slight) | Price change plus distributions, reinvested. |
| Annualized | +9.7% | +9.5% | Tie | Total return as a yearly rate. |
| Price return | +353.0% | +261.4% | VTV | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.2% | 17.7% | VTV (slight) | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.2% | 12.6% | VTV (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −59.1% | −45.2% | XLU | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.52 | 0.50 | VTV (slight) | Return above Treasury bills per unit of volatility. |
| Sortino | 0.73 | 0.70 | VTV (slight) | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.16 | 0.21 | XLU | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,185 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTV and XLU hold 4% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
4% in common
Only in one fund ↓
Side by side
VTV and XLU on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTV and XLU do different jobs. What does each one do in a portfolio?
- What each follows. VTV follows Morningstar US Large Cap Value Index and XLU follows Utilities Select Sector Index.
- Holdings in common. 4% 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 VTV returned +23.5% and XLU −3.0% with distributions reinvested, a gap of 26.5 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.
VTV
VTV tracks an index of US value. Over the year to Oct 28, 2026 it returned +23.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 98% of the fund by weight is stocks the S&P 500 also holds, across 300 positions, with the top ten at 23.6%.
XLU
XLU tracks an index of Utilities. Over the year to Oct 28, 2026 it returned −3.0% 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 32 positions, with the top ten at 58.7%. It sat 9.1% below its high of Feb 27, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VTV or XLU?
- In the year to Oct 28, 2026, with distributions reinvested, VTV returned +23.5% and XLU −3.0%.
- Which is cheaper, VTV or XLU?
- VTV 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, VTV against XLU, data as of Oct 28, 2026. https://etfiq.com/compare/any/vtv-vs-xlu
ETFIQ. (Oct 28, 2026). VTV against XLU. Retrieved from https://etfiq.com/compare/any/vtv-vs-xlu
[VTV against XLU (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vtv-vs-xlu)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.