Compare · 3 funds side by side · dividends reinvested

USRT, REAI and XLF

USRTiShares×REAIArmada ETF Advisors×XLFSPDR×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,503XLF · best of the three

02 / 04

USRT, REAI and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core U.S. REIT ETFSectors · Real estate0.08%2.69%+16.5%+16.4%+16.4%+3.5%−12.4%13.9%$4.3B1.4

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+6.3%+11.4%+23.0%+9.2%−14.8%15.3%$55.5B2.1

Intelligent Real Estate ETFSectors · Real estate0.59%2.38%+10.0%+4.1%+10.0%[…]−10.2%15.0%$1M2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: USRT 2007 · REAI 2023 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

iShares Core U.S. REIT ETF · $4.3B$11,898

USRT

REAI

Intelligent Real Estate ETF · $1M[…]

$10,000 five years ago, dividends reinvested · they hold 27.8% in common

USRTMeasureREAI

+16.5%Year to dateJan 1 → Nov 5+10.0%

+16.4%1 yearTotal return+4.1%

+16.4%3 years · per year$10,000 became $15,762 · $13,305+10.0%

+3.5%5 years · per year$10,000 became $11,898 · […][…]

0.08%Expense ratio$8 · $59 a year on $10k · lower is better0.59%

2.69%Trailing 12-mo yield$269 · $238 a year on $10k2.38%

−12.4%Worst dropSmaller is better−10.2%

13.9%VolatilityLower is calmer15.0%

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

6–1USRT wins

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

More Ways to See the Pairs

USRT vs REAI: Top 5 Holdings

Today

USRT

31.4%in top 5

REAI

in top 537.5%

USRTStockREAI

6.0%EQIX10.0%

not top 5DLR9.5%

9.2%WELLnot top 5

not top 5DCREIT.S7.4%

6.9%PLDnot top 5

not top 5IRM5.4%

not top 5AMT5.2%

4.8%SPGnot top 5

4.5%PSAnot top 5

Held in common27.8%

End-of-day Nov 5, 2026 · share of each fund

USRT vs REAI Returns, Every Period

iSharesUSRT

+16.4%

past year

REAIArmada ETF Advisors

+4.1%

past year

USRTREAIFaded: behind in that period

3–0USRT wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

USRT vs REAI

YTD

iSharesUSRT

+16.5%

REAIArmada ETF Advisors

+10.0%

+16.5%Year to date+10.0%

−12.4%Worst drop · 1Y−10.2%

13.9%Volatility · 1Y15.0%

2.7%Yield2.4%

$4.3BAssets$1.1M

3–1USRT wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: USRT, REAI, XLF

Today

0.08%lowest, USRT

FundExpense ratioFee$10k

USRT0.08%$8

XLF0.08%$8

REAI0.59%$59

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: USRT, REAI, XLF

2.69%highest, USRT

FundTrailing yieldYield$10k

USRT2.69%$269

REAI2.38%$238

XLF1.44%$144

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$261most kept, USRT

USRT$269 − $8 = $261

REAI$238 − $59 = $179

XLF$144 − $8 = $136

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: USRT, REAI, XLF

Today

27.8%most shared, USRT and REAI

USRTREAIXLF

USRT—27.8%0.0%

REAI27.8%—0.0%

XLF0.0%0.0%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+16.4%USRT, at 13.9% volatility

USRTWorst drop−12.4%13.9% vol

REAIWorst drop−10.2%15.0% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

USRTREAI

+16.5%Year to date+10.0%

2.7%Yield2.4%

+16.4%Past year+4.1%

0.08%Fee0.59%

4–0USRT wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026