Compare · 2 funds side by side · dividends reinvested

XLF and GLD

XLFSPDR×GLDSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$22,353GLD · best of the two

02 / 04

XLF and GLD, 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%$55.5B1.3

SPDR Gold SharesCommodities · Gold0.40%0.00%−6.0%+1.6%+26.6%+17.5%−28.3%29.0%$135B1.8

Rank among the two1st → 2ndFee, 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: XLF 1998 · GLD 2004

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $55.5B$15,474

XLF

GLD

SPDR Gold Shares · $135B$22,353

$10,000 five years ago, dividends reinvested

XLFMeasureGLD

+5.7%Year to dateJan 1 → Nov 6−6.0%

+10.4%1 yearTotal return+1.6%

+22.5%3 years · per year$10,000 became $18,391 · $20,300+26.6%

+9.1%5 years · per year$10,000 became $15,474 · $22,353+17.5%

0.08%Expense ratio$8 · $40 a year on $10k · lower is better0.40%

1.44%Trailing 12-mo yield$144 · $0 a year on $10k0.00%

−14.8%Worst dropSmaller is better−28.3%

15.3%VolatilityLower is calmer29.0%

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

6–2XLF wins

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

More Ways to See the Pairs

XLF vs GLD: Top 5 Holdings

Today

XLF

43.7%in top 5

GLD

in top 5[…]

XLFStockGLD

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

8.9%Vnot top 5

6.5%MAnot top 5

4.0%BACnot top 5

Held in common[…]

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

XLF vs GLD Returns, Every Period

SPDRXLF

+9.1%

5 years, per year

GLDSPDR

+17.5%

5 years, per year

XLFGLDFaded: behind in that period

2–2Level

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

Sector vs Commodities: XLF vs GLD

YTD

SPDRXLF

+5.7%

GLDSPDR

−6.0%

+5.7%Year to date−6.0%

−14.8%Worst drop · 1Y−28.3%

15.3%Volatility · 1Y29.0%

1.4%Yield0.0%

$55.5BAssets$135B

4–0XLF wins

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

Cost, Income and Risk

Fees: XLF, GLD

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

GLD0.40%$40

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

Yields: XLF, GLD

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

GLD0.00%$0

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

GLD$0 − $40 = −$40

KeptFee

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

Overlap: XLF, GLD

Today

[…]holdings […]

XLFGLD

XLF—[…]

GLD[…]—

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

Return vs Bumpiness: 2 ETFs

+10.4%XLF, at 15.3% volatility

XLFWorst drop−14.8%15.3% vol

GLDWorst drop−28.3%29.0% vol

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

Paid More vs Made More

YTD

XLFGLD

+5.7%Year to date−6.0%

1.4%Yield0.0%

+10.4%Past year+1.6%

0.08%Fee0.40%

4–0XLF wins

End-of-day Nov 6, 2026

Popular Pairs Near These Two

GLDM vs GLD

YTD

SPDRGLDM

−5.8%

GLDSPDR

−6.0%

−5.8%Year to date−6.0%

0.10% · $10Fee · on $10k a year0.40% · $40

$30.5BAssets$135B

2–0GLDM 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