VFH

Vanguard Financials ETF

Broad US financials ETF. Vanguard alternative to XLF with broader portfolio spanning banks, insurance, capital markets, and fintech.

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EquityTER 0.10%Dist.

TER

0.10%

AUM

$10B

CAGR

6.6%

Volatility

21.0%

Sharpe

0.17

Max Drawdown

-74.0%

Data Range

2004-01 → 2026-04

Performance Analysis

Maximum Drawdown History

How far the ETF has fallen from its all-time high at each point. Deeper = more painful.

Current DD-2.5%

Worst DD-74.0%

Worst date2009-02

Rolling Returns

Annualized returns over rolling windows. Shows the range of outcomes depending on when you invested.

Avg return6.7%

Best25.8%

Worst-32.4%

% positive78%

232 periods

Key Facts

ISIN

US92204A4008

Issuer

Vanguard

Benchmark

MSCI US IMI Financials 25/50 Index

Total Expense Ratio (TER)

0.10%

Assets Under Management

$10B approx.

Inception Date

2004-01-26

Domicile

United States

Legal Structure

Open-End Fund

Dividend Policy

Distributing (pays dividends)

Replication Method

Physical (Full Replication)

UCITS Status

✗ Not UCITS

Fund Currency

USD

Primary Exchange

NYSE Arca

Number of Holdings

~400

Top 10 Holdings

Top 10 represent 40.0% of the fund.

BRK.BBerkshire Hathaway

8.80%

Financials

JPMJPMorgan Chase

7.50%

Financials

VVisa Inc.

5.00%

Financials

MAMastercard

4.20%

Financials

BACBank of America

3.50%

Financials

GSGoldman Sachs

2.50%

Financials

WFCWells Fargo

2.40%

Financials

MSMorgan Stanley

2.20%

Financials

SPGIS&P Global

2.00%

Financials

AXPAmerican Express

1.90%

Financials

Sector Breakdown

Banks

28%

Financial Services

25%

Insurance

20%

Capital Markets

16%

Consumer Finance

Real Estate

Source: Official issuer data · Last updated: 2026-05-12

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Who Is This ETF For?

✓General portfolio building block for the asset class it covers.

Key Risks to Consider

• Market risk: equity values can drop 30-50% in severe bear markets.

• Non-UCITS: may have unfavorable tax treatment for non-US investors (US estate tax, withholding tax).

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Data & Methodology

Metadata sourced from official issuer documentation. Price data from Yahoo Finance (monthly adjusted close, includes reinvested dividends and splits). AUM figures are approximate and updated quarterly.

Data source: Yahoo Finance (adjusted close), Vanguard (metadata)Last verified: 2026-04-17

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💬 Frequently Asked Questions

Broad US financials ETF. Vanguard alternative to XLF with broader portfolio spanning banks, insurance, capital markets, and fintech.

VFH has a total expense ratio (TER) of 0.10%, which means you pay $10 per year for every $10,000 invested.

Yes, VFH is a distributing ETF that pays dividends to shareholders. The frequency depends on the fund's schedule.

VFH is a US-domiciled ETF (not UCITS). Non-US investors should consider the US estate tax implications (40% on US assets above $60,000) and the 30% dividend withholding tax (reduced by treaty in some countries).

VFH uses full physical replication, meaning it holds all (or nearly all) securities in the MSCI US IMI Financials 25/50 Index index directly.