VTILX vs XLV
Vanguard Total International Bond II Index Fund Class Institutional vs State Street Health Care Select Sector SPDR ETF
Quick Verdict
VTILX has a lower expense ratio. XLV delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VTILX | XLV | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.08% | |
| AUM | $141.9B | $43.9B | |
| Dividend Yield | 4.19% | 1.56% | |
| Holdings | 7,391 | 63 | |
| YTD Return | -1.38% | +13.25% | |
| 1Y Return | -3.21% | +29.65% | |
| 3Y Return (annualized) | -0.30% | +11.30% | |
| 5Y Return (annualized) | - | +6.83% | |
| Volatility (annualized) | 6.0% | 14.2% | |
| Max Drawdown | -15.3% | -40.6% | |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors | |
| Category | Fixed Income | Equity | |
| Inception | Feb 17, 2021 | Dec 16, 1998 |
VTILX vs XLV Performance
Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US) and State Street Health Care Select Sector SPDR ETF (XLV) is a ETF from SPDR State Street Global Advisors. Over the past year VTILX returned -3.21% while XLV returned +29.65%. Year to date, VTILX is down 1.38% versus a gain of 13.25% for XLV.
Over three years, VTILX compounded at -0.30% per year against +11.30% for XLV. Across the full 5-year window we track, XLV has the edge at +7.62% annualized vs -2.89%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XLV has been the more volatile fund, with annualized monthly volatility of 14.2% 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 -40.6% for XLV. 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTILX charges 0.07% per year while XLV 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 1.56% for XLV.
Holdings Overlap
VTILX and XLV share 2 holdings out of 1517 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 XLV?
VTILX has an expense ratio of 0.07% while XLV 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 XLV?
Over the past year VTILX returned -3.21% vs +29.65% for XLV, so XLV leads on 1-year performance. Over the longest common window we track (5 years), VTILX annualized -2.89% vs +7.62% for XLV. Past performance does not guarantee future results.
Which is riskier, VTILX or XLV?
XLV has been the more volatile fund at 14.2% annualized versus 6.0% for VTILX. Worst drawdown: VTILX -15.3% vs XLV -40.6%.
Should I hold both VTILX and XLV?
VTILX and XLV have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTILX and XLV?
VTILX and XLV share 2 common holdings with a 0.0% weight overlap. Combined, they hold 1517 unique securities.
Which pays a higher dividend, VTILX or XLV?
VTILX yields 4.19% while XLV yields 1.56%, so VTILX currently pays the higher dividend yield.
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