Data as of Oct 28, 2026.
VXF vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, VXF returned +10.6% to XLF's +7.6%; 0% of their weight is in the same names.
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Net assets: $30.2bn on Sep 30, 2026 for Vanguard Extended Market ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
VXF costs 0.03 points a year less; their one-year returns differ by 3.0 points; XLF is 1.7 times larger.
| Measure | VXF | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | +10.6% | +7.6% |
| Drawdown | ||
| Below its high | 6.6%, high on Aug 14, 2026 | 3.8%, high on Sep 3, 2026 |
| Benchmark | ||
| What it tracks | S&P Completion Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.05% | 0.08% |
| Net assets, as of Sep 30, 2026 | $30.2bn | $51.0bn |
| Holdings | ||
| Holdings in common | 0% | |
| Top ten holdings, share of the fund | 11.3% | 57.4% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Jan 11, 2002 to Oct 23, 2026 · 1,293 weekly returnsVXF returned more: +922.7% to +330.2%. VXF swung less: 21.1% to 25.7%. VXF fell less at its worst: −57.4% to −82.7%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VXF | XLF | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +922.7% | +330.2% | VXF | Price change plus distributions, reinvested. |
| Annualized | +9.8% | +6.0% | VXF | Total return as a yearly rate. |
| Price return | +648.0% | +113.0% | VXF | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 21.1% | 25.7% | VXF | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 14.8% | 17.7% | VXF | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −57.4% | −82.7% | VXF | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.47 | 0.29 | VXF | Return above Treasury bills per unit of volatility. |
| Sortino | 0.66 | 0.42 | VXF | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.17 | 0.07 | VXF | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,293 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VXF and XLF hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
VXF and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VXF and XLF do different jobs. What does each one do in a portfolio?
- What each follows. VXF follows S&P Completion Index and XLF follows Financial Select Sector Index.
- Holdings in common. 0% 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 VXF returned +10.6% and XLF +7.6% with distributions reinvested, a gap of 3.0 points.
Data as of Oct 28, 2026.
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VXF
VXF tracks an index of Extended Market. Over the year to Oct 28, 2026 it returned +10.6% with distributions reinvested. The prospectus expense ratio is 0.05% a year. By its holdings published by its issuer as of Sep 30, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 3,361 positions, with the top ten at 11.3%. It sat 6.6% below its high of Aug 14, 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, VXF or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, VXF returned +10.6% and XLF +7.6%.
- Which is cheaper, VXF or XLF?
- VXF is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.
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How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, VXF against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/vxf-vs-xlf
ETFIQ. (Oct 28, 2026). VXF against XLF. Retrieved from https://etfiq.com/compare/any/vxf-vs-xlf
[VXF against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vxf-vs-xlf)
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