Compare · 3 funds side by side · dividends reinvested

XLC, XTL and XLF

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$19,188XTL · best of the three

02 / 04

XLC, XTL 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%$55.5B1.5

State Street SPDR S&P Telecom ETFSectors · Communication0.35%1.10%+15.5%+17.8%+40.8%+13.9%−31.1%32.5%$447M2.0

State Street Communication Services Select Sector SPDR ETFSectors · Communication0.08%1.32%−10.2%−6.5%+18.2%+6.6%−16.1%16.7%$21.9B2.4

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: XLC 2018 · XTL 2011 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

State Street Communication Services Select Sector SPDR ETF · $21.9B$13,759

XLC

XTL

State Street SPDR S&P Telecom ETF · $447M$19,188

$10,000 five years ago, dividends reinvested · they hold 13.5% in common

XLCMeasureXTL

−10.2%Year to dateJan 1 → Nov 6+15.5%

−6.5%1 yearTotal return+17.8%

+18.2%3 years · per year$10,000 became $16,521 · $27,928+40.8%

+6.6%5 years · per year$10,000 became $13,759 · $19,188+13.9%

0.08%Expense ratio$8 · $35 a year on $10k · lower is better0.35%

1.32%Trailing 12-mo yield$132 · $110 a year on $10k1.10%

−16.1%Worst dropSmaller is better−31.1%

16.7%VolatilityLower is calmer32.5%

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

4–4Level

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

More Ways to See the Pairs

XLC vs XTL: Top 5 Holdings

Today

XLC

51.6%in top 5

XTL

in top 518.7%

XLCStockXTL

20.8%METAnot top 5

10.7%GOOGLnot top 5

8.7%GOOGnot top 5

5.8%APPnot top 5

5.6%DISnot top 5

not top 5MSI4.1%

not top 5GSAT3.7%

not top 5CMCSA3.7%

not top 5UI3.6%

not top 5EXTR3.6%

Held in common13.5%

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

XLC vs XTL Returns, Every Period

SPDRXLC

+6.6%

5 years, per year

XTLSPDR

+13.9%

5 years, per year

XLCXTLFaded: behind in that period

0–4XTL wins

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

XLC vs XLF

YTD

SPDRXLC

−10.2%

XLFSPDR

+5.7%

−10.2%Year to date+5.7%

−16.1%Worst drop · 1Y−14.8%

16.7%Volatility · 1Y15.3%

1.3%Yield1.4%

$21.9BAssets$55.5B

4–0XLF wins

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

Cost, Income and Risk

Fees: XLC, XTL, XLF

Today

0.08%lowest, XLC

FundExpense ratioFee$10k

XLC0.08%$8

XLF0.08%$8

XTL0.35%$35

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

Yields: XLC, XTL, XLF

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

XLC1.32%$132

XTL1.10%$110

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

XLC$132 − $8 = $124

XTL$110 − $35 = $75

KeptFee

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

Overlap: XLC, XTL, XLF

Today

13.5%most shared, XLC and XTL

XLCXTLXLF

XLC—13.5%0.0%

XTL13.5%—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

+17.8%XTL, at 32.5% volatility

XLFWorst drop−14.8%15.3% vol

XLCWorst drop−16.1%16.7% vol

XTLWorst drop−31.1%32.5% vol

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

Paid More vs Made More

YTD

XLFXTL

+5.7%Year to date+15.5%

1.4%Yield1.1%

+10.4%Past year+17.8%

0.08%Fee0.35%

2–2level

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