Compare · 3 funds side by side · dividends reinvested

USRT, FREL and XLF

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

02 / 04

USRT, FREL and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core U.S. REIT ETFSectors · Real estate0.08%2.69%+16.2%+16.0%+16.0%+3.7%−12.4%13.9%$4.2B1.5

Fidelity MSCI Real Estate Index ETFSectors · Real estate0.08%3.34%+11.1%+11.1%+13.6%+1.2%−11.6%14.3%$1.4B1.9

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$55.5B2.3

Rank among the three1st → 3rdFee, 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: USRT 2007 · FREL 2015 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

iShares Core U.S. REIT ETF · $4.2B$12,000

USRT

FREL

Fidelity MSCI Real Estate Index ETF · $1.4B$10,633

$10,000 five years ago, dividends reinvested · they hold 78.9% in common

USRTMeasureFREL

+16.2%Year to dateJan 1 → Nov 6+11.1%

+16.0%1 yearTotal return+11.1%

+16.0%3 years · per year$10,000 became $15,602 · $14,643+13.6%

+3.7%5 years · per year$10,000 became $12,000 · $10,633+1.2%

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

2.69%Trailing 12-mo yield$269 · $334 a year on $10k3.34%

−12.4%Worst dropSmaller is better−11.6%

13.9%VolatilityLower is calmer14.3%

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

5–2USRT wins

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

More Ways to See the Pairs

USRT vs FREL: Top 5 Holdings

Today

USRT

31.4%in top 5

FREL

in top 531.9%

USRTStockFREL

9.3%WELL9.8%

6.8%PLD7.2%

5.9%EQIX5.3%

not top 5AMT4.9%

4.8%SPG4.7%

4.6%PSAnot top 5

Held in common78.9%

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

USRT vs FREL Returns, Every Period

iSharesUSRT

+3.7%

5 years, per year

FRELFidelity

+1.2%

5 years, per year

USRTFRELFaded: behind in that period

4–0USRT wins

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

USRT vs FREL

YTD

iSharesUSRT

+16.2%

FRELFidelity

+11.1%

+16.2%Year to date+11.1%

−12.4%Worst drop · 1Y−11.6%

13.9%Volatility · 1Y14.3%

2.7%Yield3.3%

$4.2BAssets$1.4B

2–2level

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

Cost, Income and Risk

Fees: USRT, FREL, XLF

Today

0.08%lowest, USRT

FundExpense ratioFee$10k

USRT0.08%$8

FREL0.08%$8

XLF0.08%$8

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

Yields: USRT, FREL, XLF

3.34%highest, FREL

FundTrailing yieldYield$10k

FREL3.34%$334

USRT2.69%$269

XLF1.44%$144

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

Income After Fees on $10,000

$326most kept, FREL

FREL$334 − $8 = $326

USRT$269 − $8 = $261

XLF$144 − $8 = $136

KeptFee

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

Overlap: USRT, FREL, XLF

Today

78.9%most shared, USRT and FREL

USRTFRELXLF

USRT—78.9%0.0%

FREL78.9%—0.0%

XLF0.0%0.0%—

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

Return vs Bumpiness: 3 ETFs

+16.0%USRT, at 13.9% volatility

USRTWorst drop−12.4%13.9% vol

FRELWorst drop−11.6%14.3% 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

FRELUSRT

+11.1%Year to date+16.2%

3.3%Yield2.7%

+11.1%Past year+16.0%

0.08%Fee0.08%

2–1USRT wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

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