Data as of Oct 28, 2026.
VUG vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, VUG returned +6.6% to XLF's +7.6%; 4% of their weight is in the same names.
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Net assets: $232.9bn on Sep 30, 2026 for Vanguard Morningstar Growth ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
VUG costs 0.05 points a year less; their one-year returns differ by 1.0 point; VUG is 4.6 times larger.
| Measure | VUG | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | +6.6% | +7.6% |
| Drawdown | ||
| Below its high | 4.1%, high on Oct 6, 2026 | 3.8%, high on Sep 3, 2026 |
| Benchmark | ||
| What it tracks | Morningstar US Large Cap Growth Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $232.9bn | $51.0bn |
| Holdings | ||
| Holdings in common | 4% | |
| Top ten holdings, share of the fund | 63.1% | 57.4% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, VUG and XLF 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
VUG and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VUG
VUG tracks an index of US growth. Over the year to Oct 28, 2026 it returned +6.6% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 97% of the fund by weight is stocks the S&P 500 also holds, across 137 positions, with the top ten at 63.1%. It sat 4.1% below its high of Oct 6, 2026 on Oct 28, 2026.
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, VUG or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, VUG returned +6.6% and XLF +7.6%.
- Which is cheaper, VUG or XLF?
- VUG 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, VUG against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/vug-vs-xlf
ETFIQ. (Oct 28, 2026). VUG against XLF. Retrieved from https://etfiq.com/compare/any/vug-vs-xlf
[VUG against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vug-vs-xlf)
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