VTILX vs XLK
Vanguard Total International Bond II Index Fund Class Institutional vs State Street Technology Select Sector SPDR ETF
Quick Verdict
VTILX has a lower expense ratio. XLK delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VTILX | XLK | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.08% | |
| AUM | $141.9B | $124.4B | |
| Dividend Yield | 4.19% | 0.45% | |
| Holdings | 7,391 | 77 | |
| YTD Return | -1.42% | +27.34% | |
| 1Y Return | -3.06% | +42.34% | |
| 3Y Return (annualized) | -0.37% | +30.61% | |
| 5Y Return (annualized) | - | +19.29% | |
| Volatility (annualized) | 6.0% | 23.2% | |
| Max Drawdown | -15.3% | -82.0% | |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors | |
| Category | Fixed Income | Equity | |
| Inception | Feb 17, 2021 | Dec 16, 1998 |
VTILX vs XLK Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and State Street Technology Select Sector SPDR ETF (XLK) is a ETF from SPDR State Street Global Advisors. Over the past year VTILX returned -3.06% while XLK returned +42.34%. Year to date, VTILX is down 1.42% versus a gain of 27.34% for XLK.
Over three years, VTILX compounded at -0.37% per year against +30.61% for XLK. Across the full 5-year window we track, XLK has the edge at +9.37% annualized vs -2.90%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XLK has been the more volatile fund, with annualized monthly volatility of 23.2% compared with 6.0% for VTILX. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -15.3% for VTILX and -82.0% for XLK. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTILX charges 0.07% per year while XLK charges 0.08%. On a $10,000 position that is $7 vs $8 annually, a gap of $1 per year that compounds over a long holding period. On income, VTILX currently yields 4.19% against 0.45% for XLK.
Holdings Overlap
VTILX and XLK share 2 holdings out of 1532 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTILX or XLK?
VTILX has an expense ratio of 0.07% while XLK charges 0.08%. VTILX is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, VTILX or XLK?
Over the past year VTILX returned -3.06% vs +42.34% for XLK, so XLK leads on 1-year performance. Over the longest common window we track (5 years), VTILX annualized -2.90% vs +9.37% for XLK. Past performance does not guarantee future results.
Which is riskier, VTILX or XLK?
XLK has been the more volatile fund at 23.2% annualized versus 6.0% for VTILX. Worst drawdown: VTILX -15.3% vs XLK -82.0%.
Should I hold both VTILX and XLK?
VTILX and XLK have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTILX and XLK?
VTILX and XLK share 2 common holdings with a 0.0% weight overlap. Combined, they hold 1532 unique securities.
Which pays a higher dividend, VTILX or XLK?
VTILX yields 4.19% while XLK yields 0.45%, so VTILX currently pays the higher dividend yield.
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