XLF vs VFH: ETF comparison
Financial Select Sector SPDR® Fund and Vanguard Financials Index Fund ETF Shares side by side: cost, yield, returns, risk and holdings, from end-of-day data (to 23 Oct 2026) and SEC filings. Educational, not advice.
XLF and VFH at a glance
| XLF | VFH | |
|---|---|---|
| Fund | Financial Select Sector SPDR® Fund | Vanguard Financials Index Fund ETF Shares |
| Issuer (by our rules) | State Street (SPDR) | Vanguard |
| Category (by our rules) | Financials | Financials |
| Price | $55.90 | $135.89 |
| Expense ratio | 0.08% | 0.09% |
| Yield (last 12 months) | 1.48% | 1.73% |
| Distributions | Quarterly | Quarterly |
| Holdings | 81 | 423 |
| Net assets (fund, SEC) | $51.4B | $13.4B |
| Top 10 holdings share | 57.6% | 46.1% |
| 1-year total return | +8.1% | +8.1% |
| 3 years a year | +22.3% | +22.9% |
| 5 years a year | +8.4% | +8.4% |
| Volatility (1 year) | 14.5% | 14.7% |
| Largest drop in our data | −82.7% | −78.6% |
What differs
XLF charges 0.08% a year against 0.09% for VFH: on $10,000 that is $1 a year less in fund costs.
Over 5 years the annualised total return was +8.4% for XLF and +8.4% for VFH. Past returns do not predict future ones.
Top holdings
Berkshire Hathaway Inc12.08%
JPMorgan Chase & Co11.55%
Visa Inc7.50%
Mastercard Inc5.46%
Bank of America Corp4.90%
Goldman Sachs Group Inc/The3.93%
Wells Fargo & Co3.33%
Morgan Stanley3.30%
As of 30 Jun 2026 (SEC Form N-PORT).
JPMorgan Chase & Co9.15%
Berkshire Hathaway Inc7.85%
Mastercard Inc5.03%
Bank of America Corp4.25%
Visa Inc4.17%
Vanguard Cmt Funds-Vanguard Market Liquidity Fund3.66%
Goldman Sachs Group Inc/The3.51%
Morgan Stanley2.97%
As of 31 May 2026 (SEC Form N-PORT).
Go further
For a deeper overlap check between two funds, use the overlap checker on ETFWinner. Fund pages: XLF, VFH.
Educational information, not financial advice or a recommendation to choose either fund. Funds can lose value, and past performance does not guarantee future results.