Compare · 2 funds side by side · dividends reinvested

RIET and XLF

RIETHoya Capital×XLFSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$15,474XLF · best of the two

02 / 04

RIET 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%+10.4%+22.5%+9.1%−14.8%15.3%$55.5B1.3

Hoya Capital High Dividend Yield ETFIncome · Dividend stocks0.50%12.47%−2.9%−0.7%+7.3%−2.7%−16.5%14.1%$100M1.8

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

End-of-day Nov 6, 2026 · returns include dividends · since: RIET 2021 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

Hoya Capital High Dividend Yield ETF · $100M$8,700

RIET

XLF

State Street Financial Select Sector SPDR ETF · $55.5B$15,474

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

RIETMeasureXLF

−2.9%Year to dateJan 1 → Nov 6+5.7%

−0.7%1 yearTotal return+10.4%

+7.3%3 years · per year$10,000 became $12,339 · $18,391+22.5%

−2.7%5 years · per year$10,000 became $8,700 · $15,474+9.1%

0.50%Expense ratio$50 · $8 a year on $10k · lower is better0.08%

12.47%Trailing 12-mo yield$1,247 · $144 a year on $10k1.44%

−16.5%Worst dropSmaller is better−14.8%

14.1%VolatilityLower is calmer15.3%

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

2–6XLF wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

RIET vs XLF: Top 5 Holdings

Today

RIET

10.3%in top 5

XLF

in top 543.7%

RIETStockXLF

not top 5BRK-B13.2%

not top 5JPM11.1%

not top 5V8.9%

not top 5MA6.5%

not top 5BAC4.0%

2.2%APLEnot top 5

2.2%HIWnot top 5

2.2%GNLnot top 5

1.9%PKnot top 5

1.9%COLDnot top 5

Held in common0.0%

End-of-day Nov 6, 2026 · share of each fund

RIET vs XLF Returns, Every Period

Hoya CapitalRIET

−2.7%

5 years, per year

XLFSPDR

+9.1%

5 years, per year

RIETXLFFaded: behind in that period

0–4XLF wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Income vs Sector: RIET vs XLF

YTD

Hoya CapitalRIET

−2.9%

XLFSPDR

+5.7%

−2.9%Year to date+5.7%

−16.5%Worst drop · 1Y−14.8%

14.1%Volatility · 1Y15.3%

12.5%Yield1.4%

$99.6MAssets$55.5B

2–2level

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: RIET, XLF

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

RIET0.50%$50

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: RIET, XLF

12.47%highest, RIET

FundTrailing yieldYield$10k

RIET12.47%$1,247

XLF1.44%$144

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$1,197most kept, RIET

RIET$1,247 − $50 = $1,197

XLF$144 − $8 = $136

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: RIET, XLF

Today

0.0%most shared, RIET and XLF

RIETXLF

RIET—0.0%

XLF0.0%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+10.4%XLF, at 15.3% volatility

RIETWorst drop−16.5%14.1% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

RIETXLF

−2.9%Year to date+5.7%

12.5%Yield1.4%

−0.7%Past year+10.4%

0.50%Fee0.08%

3–1XLF wins

End-of-day Nov 6, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026