Financial Select Sector SPDR Fund (S&P 500 financials sector) against Vanguard Financials ETF (MSCI US IMI Financials 25/50) — fees, long-horizon total returns, holdings overlap, and sector tilt, side by side.
| XLF | VFH | SPREAD | |
|---|---|---|---|
| YTD (cumulative) | +7.00% | — | — |
| 1Y CAGR | +9.57% | — | — |
| 3Y CAGR | +21.2% | — | — |
| 5Y CAGR | +10.2% | — | — |
| 10Y CAGR | +13.6% | — | — |
| Since inception CAGR | +6.15% | — | — |
Total return: dividend- and split-adjusted daily closes (distributions reinvested). Spread is XLF minus VFH. XLF since-inception measured from first available bar December 22, 1998. Since-inception spans differ — compare that row with care.
| XLF | VFH | |
|---|---|---|
| Name | State Street Financial Select Sector SPDR ETF | Vanguard Financials Index Fund ETF Shares |
| Category | Financial | Financial |
| Style | Passive | Passive |
| Expense ratio | 0.08% | 0.09% |
| Assets (AUM) | $57.9B | $14.9B |
| Dividend yield | 1.42% | 1.67% |
| Avg volume (3-mo) | 33.4M | 555K |
| Inception | December 16, 1998 | January 26, 2004 |
| Benchmark proxy | S&P 500 | S&P 500 |
XLF costs 0.01 pp less per year — about $1.00 per $10,000 invested.
| Shared holding | XLF | VFH | MIN |
|---|---|---|---|
| JPMJPMorgan Chase & Co | 11.71% | 10.14% | 10.14% |
| BRK-BBerkshire Hathaway Inc Class B | 11.65% | 7.65% | 7.65% |
| MAMastercard Inc Class A | 5.75% | 5.04% | 5.04% |
| BACBank of America Corp | 5.03% | 4.52% | 4.52% |
| VVisa Inc Class A | 7.55% | 4.20% | 4.20% |
| GSThe Goldman Sachs Group Inc |
Expense ratios verified against issuer fact sheets. Dividend yield is trailing 12-month distributions divided by price, as reported by the fund data provider.
| 3.73% |
| 3.06% |
| 3.06% |
| WFCWells Fargo & Co | 3.29% | 2.85% | 2.85% |
| MSMorgan Stanley | 3.13% | 2.68% | 2.68% |
| CCitigroup Inc | 2.81% | 2.35% | 2.35% |
Sum of min(weight in each fund) across shared tickers — the standard fund-overlap measure. Computed on the top 25 holdings each fund reports, so it is a lower bound; the coverage figures show how much of each fund those top holdings represent.