ETF comparison
VFH vs XLF
Both Financials.
Vanguard Financials Index Fund ETF Shares · State Street Financial Select Sector SPDR ETF
Holdings overlap
76 positions appear in both funds. Buying equal dollars of VFH and XLF would leave roughly 83.0% of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
XLF is 1 bps cheaper than VFH. On a $100,000 position that's about $10/yr more in fees for VFH.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with VFH vs XLF.
Top shared holdings
76 shared in total| # | Holding | In VFH | In XLF | Overlap |
|---|---|---|---|---|
| 1 | JPMorgan Chase & Co | 9.30% | 11.24% | 9.30% |
| 2 | Berkshire Hathaway Inc | 8.36% | 12.46% | 8.36% |
| 3 | Mastercard Inc | 5.29% | 5.77% | 5.29% |
| 4 | Visa Inc | 4.21% | 7.20% | 4.21% |
| 5 | Bank of America Corp | 4.01% | 4.59% | 4.01% |
| 6 | Wells Fargo & Co | 3.13% | 3.49% | 3.13% |
| 7 | Goldman Sachs Group Inc/The | 2.97% | 3.60% | 2.97% |
| 8 | Morgan Stanley | 2.39% | 2.81% | 2.39% |
| 9 | Citigroup Inc | 2.29% | 2.81% | 2.29% |
| 10 | American Express Co | 2.06% | 2.30% | 2.06% |
| 11 | Charles Schwab Corp/The | 1.97% | 2.23% | 1.97% |
| 12 | BlackRock Funding Inc/DE | 1.88% | 1.97% | 1.88% |
Only in VFH
339 total- Markel Group Inc 0.31%
- LPL Financial Holdings Inc 0.29%
- SoFi Technologies Inc 0.26%
- First Citizens BancShares Inc/NC 0.20%
- Rocket Cos Inc 0.20%
- East West Bancorp Inc 0.18%
- Annaly Capital Management Inc 0.18%
- Tradeweb Markets Inc 0.17%
- Reinsurance Group of America Inc 0.17%
- RenaissanceRe Holdings Ltd 0.17%
Only in XLF
1 total- State Street Global Advisors 0.02%
Open VFH or XLF at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.