Compare · 3 funds side by side · dividends reinvested

XLF, FNCL and XLE

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$25,404XLE · best of the three

02 / 04

XLF, FNCL and XLE, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Energy Select Sector SPDR ETFSectors · Energy0.08%2.47%+40.6%+45.4%+16.7%+20.5%−15.0%23.3%$42.0B1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+6.3%+11.4%+23.0%+9.2%−14.8%15.3%$55.5B1.9

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.59%+5.8%+11.3%+23.6%+9.1%−14.8%15.3%$2.3B2.0

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: XLF 1998 · FNCL 2013 · XLE 1998

Head to Head

Swap sides Versus in desk

Head to Head

Fidelity MSCI Financials Index ETF · $2.3B$15,425

FNCL

XLE

State Street Energy Select Sector SPDR ETF · $42.0B$25,404

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

FNCLMeasureXLE

+5.8%Year to dateJan 1 → Nov 5+40.6%

+11.3%1 yearTotal return+45.4%

+23.6%3 years · per year$10,000 became $18,881 · $15,905+16.7%

+9.1%5 years · per year$10,000 became $15,425 · $25,404+20.5%

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

1.59%Trailing 12-mo yield$159 · $247 a year on $10k2.47%

−14.8%Worst dropSmaller is better−15.0%

15.3%VolatilityLower is calmer23.3%

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

3–4XLE wins

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

More Ways to See the Pairs

FNCL vs XLE: Top 5 Holdings

Today

FNCL

36.3%in top 5

XLE

in top 559.2%

FNCLStockXLE

not top 5XOM24.3%

not top 5CVX18.6%

10.1%JPMnot top 5

8.8%BRK-Bnot top 5

7.8%Vnot top 5

not top 5COP7.1%

5.9%MAnot top 5

not top 5PSX4.6%

not top 5MPC4.5%

3.6%BACnot top 5

Held in common0.0%

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

FNCL vs XLE Returns, Every Period

FidelityFNCL

+9.1%

5 years, per year

XLESPDR

+20.5%

5 years, per year

FNCLXLEFaded: behind in that period

1–3XLE wins

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

FNCL vs XLE

YTD

FidelityFNCL

+5.8%

XLESPDR

+40.6%

+5.8%Year to date+40.6%

−14.8%Worst drop · 1Y−15.0%

15.3%Volatility · 1Y23.3%

1.6%Yield2.5%

$2.3BAssets$42.0B

2–2level

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

Cost, Income and Risk

Fees: XLF, FNCL, XLE

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

FNCL0.08%$8

XLE0.08%$8

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

Yields: XLF, FNCL, XLE

2.47%highest, XLE

FundTrailing yieldYield$10k

XLE2.47%$247

FNCL1.59%$159

XLF1.44%$144

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

Income After Fees on $10,000

$239most kept, XLE

XLE$247 − $8 = $239

FNCL$159 − $8 = $151

XLF$144 − $8 = $136

KeptFee

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

Overlap: XLF, FNCL, XLE

Today

83.9%most shared, XLF and FNCL

XLFFNCLXLE

XLF—83.9%0.0%

FNCL83.9%—0.0%

XLE0.0%0.0%—

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

Return vs Bumpiness: 3 ETFs

+45.4%XLE, at 23.3% volatility

XLFWorst drop−14.8%15.3% vol

FNCLWorst drop−14.8%15.3% vol

XLEWorst drop−15.0%23.3% vol

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

Paid More vs Made More

YTD

XLEXLF

+40.6%Year to date+6.3%

2.5%Yield1.4%

+45.4%Past year+11.4%

0.08%Fee0.08%

3–0XLE wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

XLE vs VDE

YTD

SPDRXLE

+40.6%

VDEVanguard

+38.4%

+40.6%Year to date+38.4%

2.5%Yield2.4%

$42.0BAssets$10.4B

2–0XLE wins

End-of-day Nov 5, 2026

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