Compare · 3 funds side by side · dividends reinvested

XLF, FNCL and XLK

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$22,110XLK · best of the three

Story of the three · IncomeMost incomeFNCL · 1.56% · $156 a year on $10k

Story of the three · RiskSmallest drop

XLF, FNCL and XLK, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Technology Select Sector SPDR ETFSectors · Technology0.08%0.48%+21.5%+18.6%+27.1%+17.2%−19.6%28.7%$113B1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.41%+8.4%+12.4%+22.2%+9.5%−14.8%15.3%$54.1B1.9

Fidelity MSCI Financials Index ETFSectors · Financials0.08%1.56%+7.7%+12.0%+22.6%+9.2%−14.8%15.4%$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 11, 2026 · returns include dividends · since: XLF 1998 · FNCL 2013 · XLK 1998

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street Financial Select Sector SPDR ETF · $54.1B$15,765

XLF

FNCL

Fidelity MSCI Financials Index ETF · $2.3B$15,539

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

XLF

More Ways to See the Pairs

XLF vs FNCL: Top 5 Holdings

Today

XLF

43.6%in top 5

FNCL

in top 536.2%

XLFStockFNCL

13.2%BRK-B9.0%

11.1%JPM10.0%

8.8%V7.7%

6.5%MA5.9%

4.0%BAC

Cost, Income and Risk

Fees: XLF, FNCL, XLK

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

FNCL0.08%$8

XLK0.08%$8

End-of-day Nov 11, 2026 · fee on $10,000 a year

Yields: XLF, FNCL, XLK

1Y

Popular Pairs Near These Three

XLK vs VGT

YTD

SPDRXLK

+21.5%

VGTVanguard

+21.1%

+21.5%Year to date+21.1%

0.08% · $8Fee · on $10k a year0.09% · $9

$113BAssets$155B

2–0XLK wins

End-of-day Nov 11, 2026

SCHD vs VIG

YTD

SchwabSCHD

+34.6%

VIGVanguard

+16.0%

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.1%

JEPIJ.P. Morgan

+8.6%

Measure

FNCL

+8.4%Year to dateJan 1 → Nov 11+7.7%

+12.4%1 yearTotal return+12.0%

+22.2%3 years · per year$10,000 became $18,242 · $18,407+22.6%

+9.5%5 years · per year$10,000 became $15,765 · $15,539+9.2%

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

1.41%Trailing 12-mo yield$141 · $156 a year on $10k1.56%

−14.8%Worst dropSmaller is better−14.8%

15.3%VolatilityLower is calmer15.4%

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

4–2XLF wins

End-of-day Nov 11, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

3.6%

Held in common83.8%

End-of-day Nov 11, 2026 · share of each fund

XLF vs FNCL Returns, Every Period

5Y

SPDRXLF

+9.5%

5 years, per year

FNCLFidelity

+9.2%

5 years, per year

XLFFNCLFaded: behind in that period

3–1XLF wins

End-of-day Nov 11, 2026 · dividends in · faded = behind in that period

XLF vs FNCL

YTD

SPDRXLF

+8.4%

FNCLFidelity

+7.7%

+8.4%Year to date+7.7%

−14.8%Worst drop · 1Y−14.8%

15.3%Volatility · 1Y15.4%

1.4%Yield1.6%

$54.1BAssets$2.3B

2–1XLF wins

End-of-day Nov 11, 2026 · smaller drop and lower volatility win

1.56%highest, FNCL

FundTrailing yieldYield$10k

FNCL1.56%$156

XLF1.41%$141

XLK0.48%$48

End-of-day Nov 11, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$148most kept, FNCL

FNCL$156 − $8 = $148

XLF$141 − $8 = $133

XLK$48 − $8 = $40

KeptFee

End-of-day Nov 11, 2026 · yield in dollars minus the fee

Overlap: XLF, FNCL, XLK

Today

83.8%most shared, XLF and FNCL

XLFFNCLXLK

XLF—83.8%0.0%

FNCL83.8%—0.0%

XLK0.0%0.0%—

End-of-day Nov 11, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+18.6%XLK, at 28.7% volatility

XLFWorst drop−14.8%15.3% vol

FNCLWorst drop−14.8%15.4% vol

XLKWorst drop−19.6%28.7% vol

End-of-day Nov 11, 2026 · up and left is better

Paid More vs Made More

YTD

FNCLXLK

+7.7%Year to date+21.5%

1.6%Yield0.5%

+12.0%Past year+18.6%

0.08%Fee0.08%

2–1XLK wins

End-of-day Nov 11, 2026

+34.6%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 11, 2026

+8.1%Year to date+8.6%

12.2%Yield7.8%

$41.8BAssets$46.8B

1–1level

End-of-day Nov 11, 2026

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XLF, FNCL and XLK

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three