Compare · 3 funds side by side · dividends reinvested

UTES, XLF and SMH

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$34,950SMH · best of the three

02 / 04

UTES, XLF and SMH, 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%$55.5B1.9

VanEck Semiconductor ETFThematic · AI & semis0.35%0.24%+28.8%+29.5%+48.9%+28.4%−33.1%42.9%$57.7B1.9

Virtus Reaves Utilities ETFSectors · Utilities0.49%1.63%−3.8%−8.5%+22.7%+13.3%−17.6%22.6%$1.2B2.3

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: UTES 2015 · XLF 1998 · SMH 2011

Head to Head

Swap sides Versus in desk

Head to Head

Virtus Reaves Utilities ETF · $1.2B$18,668

UTES

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

UTESMeasureXLF

−3.8%Year to dateJan 1 → Nov 6+5.7%

−8.5%1 yearTotal return+10.4%

+22.7%3 years · per year$10,000 became $18,484 · $18,391+22.5%

+13.3%5 years · per year$10,000 became $18,668 · $15,474+9.1%

0.49%Expense ratio$49 · $8 a year on $10k · lower is better0.08%

1.63%Trailing 12-mo yield$163 · $144 a year on $10k1.44%

−17.6%Worst dropSmaller is better−14.8%

22.6%VolatilityLower is calmer15.3%

UTESXLF 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

UTES vs XLF: Top 5 Holdings

Today

UTES

43.9%in top 5

XLF

in top 543.7%

UTESStockXLF

not top 5BRK-B13.2%

not top 5JPM11.1%

10.8%CEGnot top 5

10.7%TLNnot top 5

not top 5V8.9%

8.0%VSTnot top 5

7.7%XELnot top 5

6.7%CNPnot top 5

not top 5MA6.5%

not top 5BAC4.0%

Held in common0.0%

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

UTES vs XLF Returns, Every Period

VirtusUTES

+13.3%

5 years, per year

XLFSPDR

+9.1%

5 years, per year

UTESXLFFaded: behind in that period

2–2Level

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

UTES vs XLF

YTD

VirtusUTES

−3.8%

XLFSPDR

+5.7%

−3.8%Year to date+5.7%

−17.6%Worst drop · 1Y−14.8%

22.6%Volatility · 1Y15.3%

1.6%Yield1.4%

$1.2BAssets$55.5B

3–1XLF wins

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

Cost, Income and Risk

Fees: UTES, XLF, SMH

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

SMH0.35%$35

UTES0.49%$49

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

Yields: UTES, XLF, SMH

1.63%highest, UTES

FundTrailing yieldYield$10k

UTES1.63%$163

XLF1.44%$144

SMH0.24%$24

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

UTES$163 − $49 = $114

SMH$24 − $35 = −$11

KeptFee

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

Overlap: UTES, XLF, SMH

Today

0.0%most shared, UTES and XLF

UTESXLFSMH

UTES—0.0%0.0%

XLF0.0%—0.0%

SMH0.0%0.0%—

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

Return vs Bumpiness: 3 ETFs

+29.5%SMH, at 42.9% volatility

XLFWorst drop−14.8%15.3% vol

UTESWorst drop−17.6%22.6% vol

SMHWorst drop−33.1%42.9% vol

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

Paid More vs Made More

YTD

UTESSMH

−3.8%Year to date+28.8%

1.6%Yield0.2%

−8.5%Past year+29.5%

0.49%Fee0.35%

3–1SMH wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SOXX vs SMH

YTD

iSharesSOXX

+36.2%

SMHVanEck

+28.8%

+36.2%Year to date+28.8%

0.33% · $33Fee · on $10k a year0.35% · $35

$37.6BAssets$57.7B

2–0SOXX wins

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