Compare · 2 funds side by side · dividends reinvested

SGOV and XLF

SGOViShares×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

SGOV 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%$55.5B1.4

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$117B1.6

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: SGOV 2020 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

iShares 0-3 Month Treasury Bond ETF · $117B$12,090

SGOV

XLF

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

$10,000 five years ago, dividends reinvested

SGOVMeasureXLF

+3.2%Year to dateJan 1 → Nov 6+5.7%

+3.8%1 yearTotal return+10.4%

+4.5%3 years · per year$10,000 became $11,419 · $18,391+22.5%

+3.9%5 years · per year$10,000 became $12,090 · $15,474+9.1%

0.09%Expense ratio$9 · $8 a year on $10k · lower is better0.08%

3.63%Trailing 12-mo yield$363 · $144 a year on $10k1.44%

0.0%Worst dropSmaller is better−14.8%

0.2%VolatilityLower is calmer15.3%

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

3–5XLF wins

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

More Ways to See the Pairs

SGOV vs XLF: Top 5 Holdings

Today

SGOV

[…]in top 5

XLF

in top 543.7%

SGOVStockXLF

not top 5BRK-B13.2%

not top 5JPM11.1%

not top 5V8.9%

not top 5MA6.5%

not top 5BAC4.0%

Held in common[…]

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

SGOV vs XLF Returns, Every Period

iSharesSGOV

+3.9%

5 years, per year

XLFSPDR

+9.1%

5 years, per year

SGOVXLFFaded: behind in that period

0–4XLF wins

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

Bonds vs Sector: SGOV vs XLF

YTD

iSharesSGOV

+3.2%

XLFSPDR

+5.7%

+3.2%Year to date+5.7%

+0.0%Worst drop · 1Y−14.8%

0.2%Volatility · 1Y15.3%

3.6%Yield1.4%

$117BAssets$55.5B

3–1SGOV wins

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

Cost, Income and Risk

Fees: SGOV, XLF

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

SGOV0.09%$9

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

Yields: SGOV, XLF

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

XLF1.44%$144

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

XLF$144 − $8 = $136

KeptFee

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

Overlap: SGOV, XLF

Today

[…]holdings […]

SGOVXLF

SGOV—[…]

XLF[…]—

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

SGOVWorst drop0.0%0.2% 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

SGOVXLF

+3.2%Year to date+5.7%

3.6%Yield1.4%

+3.8%Past year+10.4%

0.09%Fee0.08%

3–1XLF wins

End-of-day Nov 6, 2026

Popular Pairs Near These Two

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–1level

End-of-day Nov 6, 2026

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