VOOG vs XLF: Complete Comparison

Vanguard S&P 500 Growth ETF vs Financial Select Sector SPDR Fund โ€” overlap, correlation, performance & risk analysis

Holdings Overlap
10.27%
Very Low Overlap
Shared Holdings
37 of 75
Complete portfolio analysis
Calculation Method
Min Weight
Weighted intersection

Visual Overlap

VOOG
XLF
10.3%
VOOG Only
Overlap
XLF Only

Price Performance

Historical price comparison over 3M

VOOG Return
+9.83%
XLF Return
+6.68%
Winner
VOOG
+3.15%
Max Drawdown
VOOG: -6.8%
XLF: -5.6%
VOOG Volatility (annualized)14.92%
XLF Volatility (annualized)13.17%

๐Ÿ“ˆ Comparison

Metric
VOOG
XLF
1 Year Return
+32.5%โœ“
+28.5%
3 Year Return
+13.5%โœ“
+10.5%
5 Year Return
+19.2%โœ“
+14.8%
Volatility
20.50%โœ“
21.50%
Expense Ratio
0.07%โœ“
0.10%
โš ๏ธ Past performance does not guarantee future results. Data may be delayed.

โš ๏ธRisk Metrics

Metric
VOOG
XLF
Volatility
20.50%โœ“
21.50%
Sharpe Ratio
0.88โœ“
0.65
Sortino Ratio
1.22โœ“
0.88
Max Drawdown
-35.50%โœ“
-55.20%
Beta
1.10
1.12

Interpretation:

  • ๐Ÿ“Š Lower volatility = smoother ride
  • โšก Higher Sharpe/Sortino = better risk-adjusted returns
  • โš ๏ธ Smaller max drawdown = less worst-case pain
  • ๐Ÿ“ˆ Beta > 1 = more volatile than S&P 500

โš”๏ธ Comparison

11 - 5

๐Ÿ† VOOG wins this comparison

Key Factors

๐Ÿ’ฐ Expense Ratio
VOOG:0.07%โœ“
vs
XLF:0.10%โœ“
๐ŸŽฏ Number of Holdings
VOOG:230 holdingsโœ“
vs
XLF:68 holdingsโœ“
๐Ÿ“ˆ 5-Year Return
VOOG:+19.2%โœ“
vs
XLF:+14.8%โœ“
โ–ถAdditional Metrics (5)
โš–๏ธ Concentration Risk
VOOG: 56.5% in top 10
XLF: 55.7% in top 10
๐Ÿ“Š Assets Under Management
VOOG: $12B
XLF: $40Bโœ“
โšก Sharpe Ratio
VOOG: 0.88โœ“
XLF: 0.65
๐Ÿ“‰ Volatility
VOOG: 20.5%
XLF: 21.5%
๐Ÿ” Uniqueness vs SPY
VOOG: 33.3% unique
XLF: 86.3% uniqueโœ“

Bottom line: VOOG wins with better expense ratio and number of holdings and 5-year return. Consider VOOG for your portfolio, but XLF is still a solid choice if you prefer its specific advantages.

Detailed Overlap Analysis

37 shared holdings representing 10.3% portfolio overlap

Top Shared Holdings

#StockVOOG WeightXLF WeightOverlap
1
V
V
1.79%7.26%1.79%
2
JPM
JPM
1.51%10.82%1.51%
3
MA
MA
1.41%5.81%1.41%
4
BRK-B
BRK-B
1.33%11.80%1.33%
5
AXP
AXP
0.61%2.59%0.61%
6
PGR
PGR
0.37%1.74%0.37%
7
MS
MS
0.28%2.84%0.28%
8
HOOD
HOOD
0.23%1.38%0.23%
9
SPGI
SPGI
0.22%2.01%0.22%
10
APO
APO
0.18%0.87%0.18%

Overlap by Sector

Financials
7 stocks ยท 5.94% overlap
Other
30 stocks ยท 4.25% overlap

Showing top 5 sectors by overlap contribution

37
Shared Stocks
10.3%
Total Overlap
2
Sectors Represented

Top Holdings Only in VOOG

Unique to VOOG

โ†Scroll horizontally to see all dataโ†’
SymbolNameWeight
NVDANVDA15.31%
MSFTMSFT6.20%
AAPLAAPL5.72%
AVGOAVGO5.39%
GOOGLGOOGL5.07%

Top Holdings Only in XLF

Unique to XLF

โ†Scroll horizontally to see all dataโ†’
SymbolNameWeight
BACBAC4.78%
WFCWFC3.73%
GSGS3.47%
CC2.64%
SCHWSCHW2.10%

Price Correlation

How We Calculate Overlap

We use the minimum weight method with normalization to calculate portfolio overlap:

Overlap = ฮฃ min(weightA, weightB) for each shared holding

Normalization: Holdings weights are normalized to sum to 100% before comparison. This ensures accurate overlap calculations even when analyzing partial holdings data (e.g., top 50 positions).

Conservative approach: We consider only the smaller allocation for each shared position, giving you a realistic view of true portfolio overlap.

๐Ÿ“Š This analysis is based on publicly available holdings data. For the most current and complete holdings information, please visit the official ETF provider websites.

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