Compare · 2 funds side by side · dividends reinvested

FNCL and XLF

FNCLFidelity×XLFSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$15,353XLF · best of the two

02 / 04

FNCL and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.9%+24.0%+9.0%−14.8%14.6%$54.2B1.4

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.60%+5.4%+10.8%+24.5%+8.8%−14.8%14.7%$2.2B1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 3, 2026 · returns include dividends · since: FNCL 2013 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $54.2B$15,353

XLF

FNCL

Fidelity MSCI Financials Index ETF · $2.2B$15,259

$10,000 five years ago, dividends reinvested · they hold 83.8% in common

XLFMeasureFNCL

+5.7%Year to dateJan 1 → Nov 3+5.4%

+10.9%1 yearTotal return+10.8%

+24.0%3 years · per year$10,000 became $19,057 · $19,314+24.5%

+9.0%5 years · per year$10,000 became $15,353 · $15,259+8.8%

0.08%Expense ratio$8 · $8 a year on $10k · lower is better0.08%

1.44%Trailing 12-mo yield$144 · $160 a year on $10k1.60%

−14.8%Worst dropSmaller is better−14.8%

14.6%VolatilityLower is calmer14.7%

XLFFNCL Winner of the row, in its colourEach row: the bigger of the two fills its side

4–2XLF wins

End-of-day Nov 3, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs FNCL: Top 5 Holdings

Today

XLF

43.3%in top 5

FNCL

in top 536.1%

XLFStockFNCL

12.6%BRK-B8.7%

11.4%JPM10.0%

8.7%V7.8%

6.4%MA5.9%

4.1%BAC3.6%

Held in common83.8%

End-of-day Nov 3, 2026 · share of each fund

XLF vs FNCL Returns, Every Period

SPDRXLF

+9.0%

5 years, per year

FNCLFidelity

+8.8%

5 years, per year

XLFFNCLFaded: behind in that period

3–1XLF wins

End-of-day Nov 3, 2026 · dividends in · faded = behind in that period

XLF vs FNCL

YTD

SPDRXLF

+5.7%

FNCLFidelity

+5.4%

+5.7%Year to date+5.4%

−14.8%Worst drop · 1Y−14.8%

14.6%Volatility · 1Y14.7%

1.4%Yield1.6%

$54.2BAssets$2.2B

2–1XLF wins

End-of-day Nov 3, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: FNCL, XLF

Today

0.08%lowest, FNCL

FundExpense ratioFee$10k

FNCL0.08%$8

XLF0.08%$8

End-of-day Nov 3, 2026 · fee on $10,000 a year

Yields: FNCL, XLF

1.60%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.60%$160

XLF1.44%$144

End-of-day Nov 3, 2026 · trailing 12-month yield

Income After Fees on $10,000

$152most kept, FNCL

FNCL$160 − $8 = $152

XLF$144 − $8 = $136

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee

Overlap: FNCL, XLF

Today

83.8%most shared, FNCL and XLF

FNCLXLF

FNCL—83.8%

XLF83.8%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+10.9%XLF, at 14.6% volatility

XLFWorst drop−14.8%14.6% vol

FNCLWorst drop−14.8%14.7% vol

End-of-day Nov 3, 2026 · up and left is better

Paid More vs Made More

YTD

FNCLXLF

+5.4%Year to date+5.7%

1.6%Yield1.4%

+10.8%Past year+10.9%

0.08%Fee0.08%

2–1XLF wins

End-of-day Nov 3, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.5%

JEPIJ.P. Morgan

+7.0%

+7.5%Year to date+7.0%

12.3%Yield8.0%

$41.8BAssets$46.0B

2–0JEPQ wins

End-of-day Nov 3, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.5%

SPYSPDR

+11.5%

+11.5%Year to date+11.5%

1.0%Yield1.0%

$185BAssets$798B

0–0level

End-of-day Nov 3, 2026