Compare · 3 funds side by side · dividends reinvested

USRT, XLF and XLK

USRTiShares×XLFSPDR×XLKSPDR×
$5k$10k$15k$20k$25k$30kLow $7,516 · 2022XLK$21,984XLF$15,690USRT$12,123Nov 2021Nov 2026Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$21,984XLK · best of the three
02 / 04

USRT, XLF and XLK, Ranked

Today
FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank
iShares Core U.S. REIT ETFSectors · Real estate0.08%2.65%+18.1%+18.4%+15.4%+3.9%−12.4%14.0%$4.2B1.8
State Street Technology Select Sector SPDR ETFSectors · Technology0.08%0.49%+19.1%+18.8%+27.0%+17.1%−19.6%28.6%$110B1.8
State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B2.1
Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best
End-of-day Nov 9, 2026 · returns include dividends · since: USRT 2007 · XLF 1998 · XLK 1998
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Head to Head

5Y
iShares Core U.S. REIT ETF · $4.2B$12,123
USRT
XLF
State Street Financial Select Sector SPDR ETF · $53.4B$15,690

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

USRTMeasureXLF
+18.1%Year to dateJan 1 → Nov 9+7.2%
+18.4%1 yearTotal return+12.4%
+15.4%3 years · per year$10,000 became $15,367 · $18,230+22.2%
+3.9%5 years · per year$10,000 became $12,123 · $15,690+9.4%
0.08%Expense ratio$8 · $8 a year on $10k · lower is better0.08%
2.65%Trailing 12-mo yield$265 · $142 a year on $10k1.42%
−12.4%Worst dropSmaller is better−14.8%
14.0%VolatilityLower is calmer15.3%
USRTXLF Winner of the row, in its colourEach row: the bigger of the two fills its side
5–2USRT wins
End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns
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More Ways to See the Pairs

USRT vs XLF: Top 5 Holdings

Today
USRT
31.5%in top 5
XLF
in top 543.8%
USRTStockXLF
not top 5BRK-B13.2%
not top 5JPM11.1%
9.3%WELLnot top 5
not top 5V9.0%
6.8%PLDnot top 5
not top 5MA6.6%
6.0%EQIXnot top 5
4.9%SPGnot top 5
4.6%PSAnot top 5
not top 5BAC4.0%
Held in common0.0%
End-of-day Nov 9, 2026 · share of each fund
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USRT vs XLF Returns, Every Period

5Y
iSharesUSRT
+3.9%
5 years, per year
XLFSPDR
+9.4%
5 years, per year
0%+10%+20%+30%+18.1%+7.2%YTD+18.4%+12.4%1 year+15.4%+22.2%3 yrs · yr+3.9%+9.4%5 yrs · yr
USRTXLFFaded: behind in that period
2–2Level
End-of-day Nov 9, 2026 · dividends in · faded = behind in that period
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USRT vs XLF

YTD
iSharesUSRT
+18.1%
XLFSPDR
+7.2%
Jan 1Nov 9+18.1%+7.2%
+18.1%Year to date+7.2%
−12.4%Worst drop · 1Y−14.8%
14.0%Volatility · 1Y15.3%
2.7%Yield1.4%
$4.2BAssets$53.4B
4–0USRT wins
End-of-day Nov 9, 2026 · smaller drop and lower volatility win
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Cost, Income and Risk

Fees: USRT, XLF, XLK

Today
0.08%lowest, USRT
FundExpense ratioFee$10k
USRT0.08%$8
XLF0.08%$8
XLK0.08%$8
End-of-day Nov 9, 2026 · fee on $10,000 a year
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Yields: USRT, XLF, XLK

1Y
2.65%highest, USRT
FundTrailing yieldYield$10k
USRT2.65%$265
XLF1.42%$142
XLK0.49%$49
End-of-day Nov 9, 2026 · trailing 12-month yield
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Income After Fees on $10,000

1Y
$257most kept, USRT
USRT$265 − $8 = $257
XLF$142 − $8 = $134
XLK$49 − $8 = $41
KeptFee
End-of-day Nov 9, 2026 · yield in dollars minus the fee
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Overlap: USRT, XLF, XLK

Today
0.0%most shared, USRT and XLF
USRTXLFXLK
USRT—0.0%0.0%
XLF0.0%—0.0%
XLK0.0%0.0%—
End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus
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Return vs Bumpiness: 3 ETFs

1Y
+18.8%XLK, at 28.6% volatility
0%+5%+10%+15%+20%+25%10%20%30%40%Volatility · 1 year → bumpierXLK +18.8%USRT +18.4%XLF +12.4%
USRTWorst drop−12.4%14.0% vol
XLFWorst drop−14.8%15.3% vol
XLKWorst drop−19.6%28.6% vol
End-of-day Nov 9, 2026 · up and left is better
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Paid More vs Made More

YTD
USRTXLK
Jan 1Nov 9+18.1%+19.1%
+18.1%Year to date+19.1%
2.7%Yield0.5%
+18.4%Past year+18.8%
0.08%Fee0.08%
2–1XLK wins
End-of-day Nov 9, 2026
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Popular Pairs Near These Three

XLK vs VGT

YTD
SPDRXLK
+19.1%
VGTVanguard
+19.3%
Jan 1Nov 9+19.1%+19.3%
+19.1%Year to date+19.3%
0.08% · $8Fee · on $10k a year0.09% · $9
$110BAssets$155B
1–1level
End-of-day Nov 9, 2026
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SCHD vs VIG

YTD
SchwabSCHD
+33.2%
VIGVanguard
+14.8%
Jan 1Nov 9+33.2%+14.8%
+33.2%Year to date+14.8%
3.0%Yield1.5%
$120BAssets$109B
2–0SCHD wins
End-of-day Nov 9, 2026
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JEPQ vs JEPI

YTD
J.P. MorganJEPQ
+6.6%
JEPIJ.P. Morgan
+7.5%
Jan 1Nov 9+6.6%+7.5%
+6.6%Year to date+7.5%
12.4%Yield7.9%
$40.7BAssets$45.2B
1–1level
End-of-day Nov 9, 2026
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