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UIFS.L vs. VNQ
Performance
Return for Risk
Drawdowns
Volatility
Dividends

UIFS.L vs. VNQ

Last updated Jun 13, 2026

UIFS.L (iShares S&P 500 Financials Sector UCITS ETF USD (Acc)) and VNQ (Vanguard Real Estate ETF) are both exchange-traded funds - UIFS.L is a Financials Equities fund tracking the S&P 500 Capped 35/20 Financials Index, while VNQ is a REIT fund tracking the MSCI US Investable Market Real Estate 25/50 Index. Both are passively managed. Over the past 10 years, UIFS.L returned 13.52%/yr vs 6.20%/yr for VNQ. At a 0.29 correlation, their price movements are largely independent. UIFS.L charges 0.15%/yr vs 0.13%/yr for VNQ.

Performance

UIFS.L vs. VNQ - Performance Comparison

The chart below illustrates the hypothetical performance of a £10,000 investment in iShares S&P 500 Financials Sector UCITS ETF USD (Acc) (UIFS.L) and Vanguard Real Estate ETF (VNQ). The values are adjusted to include any dividend payments, if applicable.

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Different Trading Currencies

UIFS.L is traded in GBp, while VNQ is traded in USD. To make them comparable, the VNQ values have been converted to GBp using the latest available exchange rates.

Returns By Period

In the year-to-date period, UIFS.L achieves a -2.31% return, which is significantly lower than VNQ's 13.09% return. Over the past 10 years, UIFS.L has outperformed VNQ with an annualized return of 13.52%, while VNQ has yielded a comparatively lower 6.20% annualized return.

UIFS.L

1D
1.97%
1M
5.59%
YTD
-2.31%
6M
-2.14%
1Y
7.87%
3Y*
16.13%
5Y*
10.05%
10Y*
13.52%

VNQ

1D
1.01%
1M
3.64%
YTD
13.09%
6M
12.04%
1Y
14.71%
3Y*
7.92%
5Y*
3.61%
10Y*
6.20%
*Multi-year figures are annualized to reflect compound growth (CAGR)

UIFS.L vs. VNQ - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
UIFS.L
iShares S&P 500 Financials Sector UCITS ETF USD (Acc)		-2.31%7.07%32.24%6.12%-0.45%38.07%-6.59%27.05%-9.40%12.02%
VNQ
Vanguard Real Estate ETF		13.09%-4.11%6.64%6.26%-17.48%41.87%-7.41%24.01%-0.45%-4.17%

Correlation

The correlation between UIFS.L and VNQ is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.28

Correlation (3Y)
Calculated over the trailing 3-year period

0.33

Correlation (5Y)
Calculated over the trailing 5-year period

0.31

Correlation (10Y)
Calculated over the trailing 10-year period

0.29

Correlation (All Time)
Calculated using the full available price history since Nov 20, 2015

0.29

UIFS.L vs. VNQ - Sectors Allocation Comparison

Sectors
UIFS.L
VNQ

Financial Services

98.0%
0.1%

Technology

1.7%
0.3%

Industrials

0.2%
0.0%

Basic Materials

-

1.1%

Communication Services

-

0.6%

Consumer Cyclical

-

-

Consumer Defensive

-

-

Energy

-

0.1%

Healthcare

-

-

Real Estate

-

97.3%

Utilities

-

-

Financial Services

UIFS.L
98.0%
VNQ
0.1%

Technology

UIFS.L
1.7%
VNQ
0.3%

Industrials

UIFS.L
0.2%
VNQ
0.0%

Basic Materials

UIFS.L

-

VNQ
1.1%

Communication Services

UIFS.L

-

VNQ
0.6%

Consumer Cyclical

UIFS.L

-

VNQ

-

Consumer Defensive

UIFS.L

-

VNQ

-

Energy

UIFS.L

-

VNQ
0.1%

Healthcare

UIFS.L

-

VNQ

-

Real Estate

UIFS.L

-

VNQ
97.3%

Utilities

UIFS.L

-

VNQ

-

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

iShares S&P 500 Financials Sector UCITS ETF USD (Acc)

Vanguard Real Estate ETF

Often compared with UIFS.L:
UIFS.L vs. ESIF.LUIFS.L vs. IISU.LUIFS.L vs. XLFQ.LUIFS.L vs. XUFB.LUIFS.L vs. CB5.LUIFS.L vs. QDVH.DEUIFS.L vs. WFIN.AS
Often compared with VNQ:
VNQ vs. SCHHVNQ vs. VOOVNQ vs. SPYVNQ vs. XLREVNQ vs. VNQIVNQ vs. SCHDVNQ vs. REET

Return for Risk

UIFS.L vs. VNQ — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
UIFS.L
UIFS.L Risk / Return Rank: 1818
Overall Rank
UIFS.L Sharpe Ratio Rank: 2020
Sharpe Ratio Rank
UIFS.L Sortino Ratio Rank: 1818
Sortino Ratio Rank
UIFS.L Omega Ratio Rank: 1818
Omega Ratio Rank
UIFS.L Calmar Ratio Rank: 1818
Calmar Ratio Rank
UIFS.L Martin Ratio Rank: 1717
Martin Ratio Rank
VNQ
VNQ Risk / Return Rank: 3232
Overall Rank
VNQ Sharpe Ratio Rank: 3030
Sharpe Ratio Rank
VNQ Sortino Ratio Rank: 2828
Sortino Ratio Rank
VNQ Omega Ratio Rank: 2828
Omega Ratio Rank
VNQ Calmar Ratio Rank: 3535
Calmar Ratio Rank
VNQ Martin Ratio Rank: 3636
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UIFS.L vs. VNQ - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for iShares S&P 500 Financials Sector UCITS ETF USD (Acc) (UIFS.L) and Vanguard Real Estate ETF (VNQ). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

UIFS.LVNQDifference
Sharpe ratioReturn per unit of total volatility
0.56
1.12

-0.57

Sortino ratioReturn per unit of downside risk
0.88
1.63

-0.75

Omega ratioGain probability vs. loss probability

1.10

1.20

-0.09

Calmar ratioReturn relative to maximum drawdown

0.61

1.99

-1.38

Martin ratioReturn relative to average drawdown

1.40

5.60

-4.20

UIFS.L vs. VNQ - Sharpe Ratio Comparison

The current UIFS.L Sharpe Ratio is 0.56, which is lower than the VNQ Sharpe Ratio of 1.12. The chart below compares the historical Sharpe Ratios of UIFS.L and VNQ, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Drawdowns

UIFS.L vs. VNQ - Drawdown Comparison

The maximum UIFS.L drawdown since its inception was -44.49%, smaller than the maximum VNQ drawdown of -57.05%. Use the drawdown chart below to compare losses from any high point for UIFS.L and VNQ.

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Drawdown Indicators

UIFS.LVNQDifference

Max Drawdown

Largest peak-to-trough decline

-44.49%

-57.05%

+12.56%

Max Drawdown (1Y)

Largest decline over 1 year

-12.90%

-7.44%

-5.46%

Max Drawdown (3Y)

Largest decline over 3 years

-20.12%

-18.24%

-1.88%

Max Drawdown (5Y)

Largest decline over 5 years

-20.12%

-28.76%

+8.64%

Max Drawdown (10Y)

Largest decline over 10 years

-35.31%

-35.51%

+0.20%

Current Drawdown

Current decline from peak

-4.29%

-1.14%

-3.15%

Average Drawdown

Average peak-to-trough decline

-9.19%

-10.77%

+1.58%

Ulcer Index

Depth and duration of drawdowns from previous peaks

5.60%

2.63%

+2.97%

Volatility

UIFS.L vs. VNQ - Volatility Comparison

iShares S&P 500 Financials Sector UCITS ETF USD (Acc) (UIFS.L) and Vanguard Real Estate ETF (VNQ) have volatilities of 4.49% and 4.38%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

UIFS.LVNQDifference

Volatility (1M)

Calculated over the trailing 1-month period

4.49%

4.38%

+0.11%

Volatility (6M)

Calculated over the trailing 6-month period

10.75%

9.91%

+0.84%

Volatility (1Y)

Calculated over the trailing 1-year period

14.10%

13.16%

+0.94%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

22.50%

17.63%

+4.87%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

22.43%

20.62%

+1.81%

UIFS.L vs. VNQ - Expense Ratio Comparison

UIFS.L has a 0.15% expense ratio, which is higher than VNQ's 0.13% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

UIFS.L vs. VNQ - Dividend Comparison

UIFS.L has not paid dividends to shareholders, while VNQ's dividend yield for the trailing twelve months is around 3.54%.

PositionTTM20252024202320222021202020192018201720162015
UIFS.L
iShares S&P 500 Financials Sector UCITS ETF USD (Acc)		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
VNQ
Vanguard Real Estate ETF		3.54%3.92%3.85%3.95%3.91%2.56%3.93%3.39%4.74%4.23%4.82%3.92%

Frequently Asked Questions

UIFS.L and VNQ have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

On fees, VNQ is cheaper at 0.13% per year. The better choice depends on whether you care most about return, fees, risk, or income.

VNQ is cheaper with a 0.13% expense ratio, compared with 0.15% for UIFS.L.

UIFS.L is categorized as Financials Equities, while VNQ is REIT. UIFS.L tracks S&P 500 Capped 35/20 Financials Index, while VNQ tracks MSCI US Investable Market Real Estate 25/50 Index. They also come from different issuers: iShares and Vanguard. Their fees differ too: 0.15% for UIFS.L and 0.13% for VNQ.

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