VTIP vs XLF
VTIP vs XLF · Last updated April 5, 2026
| Metric | VTIP | XLF | |
|---|---|---|---|
| Price | $49.99 | $49.53 | — |
| Expense Ratio | 0.03% | 0.08% | VTIP |
| Dividend Yield | N/A | N/A | — |
| AUM | $65.2B | $49.7B | VTIP |
Performance Comparison
| Period | VTIP | XLF |
|---|---|---|
| 1M | +0.29% | -2.82% |
| 3M | +1.04% | -11.30% |
| 6M | +1.49% | -7.00% |
| YTD | +1.12% | -9.10% |
| 1Y | +3.85% | +13.79% |
| 3Y | N/A | N/A |
| 5Y | N/A | N/A |
Dividend Comparison
| Ex-Date | Ticker | Amount |
|---|---|---|
| April 1, 2026 | VTIP | $0.02 |
| March 23, 2026 | XLF | $0.25 |
| December 22, 2025 | XLF | $0.19 |
| December 18, 2025 | VTIP | $0.71 |
| October 1, 2025 | VTIP | $0.65 |
| September 22, 2025 | XLF | $0.18 |
| July 1, 2025 | VTIP | $0.43 |
| June 23, 2025 | XLF | $0.17 |
| April 1, 2025 | VTIP | $0.10 |
| March 24, 2025 | XLF | $0.18 |
| December 24, 2024 | VTIP | $0.53 |
| December 23, 2024 | XLF | $0.21 |
| October 1, 2024 | VTIP | $0.31 |
| September 23, 2024 | XLF | $0.17 |
| July 1, 2024 | VTIP | $0.44 |
| June 24, 2024 | XLF | $0.16 |
| April 1, 2024 | VTIP | $0.03 |
| March 18, 2024 | XLF | $0.15 |
| December 22, 2023 | VTIP | $0.64 |
| December 18, 2023 | XLF | $0.18 |
Key Differences
VTIP and XLF serve different roles in many portfolios. Understanding the specific differences in cost, performance, and risk profile can help clarify which fund aligns with different investment objectives.
On the cost front, VTIP (0.03% expense ratio) is more economical than XLF (0.08%). For a $100,000 investment, the annual fee difference is $50.00. Over decades, this cost advantage compounds meaningfully.
In terms of fund size, VTIP manages $65.2B compared to XLF's $49.7B. This size advantage typically means VTIP has better liquidity, making it easier to trade large positions without significant price impact.
The data above reflects the most recent available information. Market conditions change frequently, and investors should verify current figures before making decisions.
How to Compare VTIP and XLF
- If minimizing costs is a priority, compare the expense ratios: VTIP charges 0.03% and XLF charges 0.08%.
- For liquidity, larger funds with higher AUM typically have tighter bid-ask spreads and more efficient trading.
- Review historical performance across different time periods (1-month to 5-year) to understand how each has performed in various market conditions.
Frequently Asked Questions
Is VTIP or XLF a better investment?
Whether VTIP or XLF is more suitable depends on your individual investment goals, risk tolerance, and time horizon. VTIP and XLF differ in key metrics like expense ratio, dividend yield, and assets under management. This page provides objective data to help you compare the two.
What is the expense ratio difference between VTIP and XLF?
VTIP has an expense ratio of 0.03%, while XLF charges 0.08%. On a $10,000 investment, this 0.05% difference costs approximately $5.00 per year.
Which fund is larger, VTIP or XLF?
VTIP has $65.2B in assets under management, making it the larger fund. Larger funds tend to have better liquidity and tighter bid-ask spreads.
What are the risks of investing in VTIP vs XLF?
Both VTIP and XLF carry market risk — their values can decline during market downturns. Past performance does not guarantee future results. Consider factors like volatility, sector concentration, and your own risk tolerance when evaluating either investment.
See how expense ratio differences affect your returns over time → Expense Ratio Calculator