Compare · 2 funds side by side · dividends reinvested

XLF and FNCL

XLFSPDR×FNCLFidelity×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$16,157XLF · best of the two

02 / 04

XLF and FNCL, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$53.8B1.4

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.55%+8.9%+15.0%+25.2%+10.0%−14.8%15.0%$2.2B1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: XLF 1998 · FNCL 2013

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.8B$16,157

XLF

FNCL

Fidelity MSCI Financials Index ETF · $2.2B$16,077

$10,000 five years ago, dividends reinvested · they hold 83.8% in common

XLFMeasureFNCL

+9.4%Year to dateJan 1 → Nov 4+8.9%

+15.3%1 yearTotal return+15.0%

+24.7%3 years · per year$10,000 became $19,384 · $19,633+25.2%

+10.1%5 years · per year$10,000 became $16,157 · $16,077+10.0%

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

1.40%Trailing 12-mo yield$140 · $155 a year on $10k1.55%

−14.8%Worst dropSmaller is better−14.8%

15.0%VolatilityLower is calmer15.0%

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

3–2XLF wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs FNCL: Top 5 Holdings

Today

XLF

43.4%in top 5

FNCL

in top 536.0%

XLFStockFNCL

12.9%BRK-B8.8%

11.2%JPM10.0%

8.9%V7.8%

6.5%MA5.9%

4.0%BAC3.6%

Held in common83.8%

End-of-day Nov 4, 2026 · share of each fund

XLF vs FNCL Returns, Every Period

SPDRXLF

+10.1%

5 years, per year

FNCLFidelity

+10.0%

5 years, per year

XLFFNCLFaded: behind in that period

3–1XLF wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

XLF vs FNCL

YTD

SPDRXLF

+9.4%

FNCLFidelity

+8.9%

+9.4%Year to date+8.9%

−14.8%Worst drop · 1Y−14.8%

15.0%Volatility · 1Y15.0%

1.4%Yield1.5%

$53.8BAssets$2.2B

1–1level

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, FNCL

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

FNCL0.08%$8

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: XLF, FNCL

1.55%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.55%$155

XLF1.40%$140

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$147most kept, FNCL

FNCL$155 − $8 = $147

XLF$140 − $8 = $132

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: XLF, FNCL

Today

83.8%most shared, XLF and FNCL

XLFFNCL

XLF—83.8%

FNCL83.8%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+15.3%XLF, at 15.0% volatility

XLFWorst drop−14.8%15.0% vol

FNCLWorst drop−14.8%15.0% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

FNCLXLF

+8.9%Year to date+9.4%

1.5%Yield1.4%

+15.0%Past year+15.3%

0.08%Fee0.08%

2–1XLF wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026