Compare · 3 funds side by side · dividends reinvested

XLF, GLDM and GLD

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$22,983GLDM · best of the three

02 / 04

XLF, GLDM and GLD, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B1.5

SPDR Gold MiniShares TrustCommodities · Gold0.10%0.00%−4.1%+4.0%+27.6%+18.1%−28.0%28.9%$30.8B1.8

SPDR Gold SharesCommodities · Gold0.40%0.00%−4.2%+3.7%+27.3%+17.8%−28.3%29.0%$136B2.6

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: XLF 1998 · GLDM 2018 · GLD 2004

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.4B$15,690

XLF

GLDM

SPDR Gold MiniShares Trust · $30.8B$22,983

$10,000 five years ago, dividends reinvested

XLFMeasureGLDM

+7.2%Year to dateJan 1 → Nov 9−4.1%

+12.4%1 yearTotal return+4.0%

+22.2%3 years · per year$10,000 became $18,230 · $20,795+27.6%

+9.4%5 years · per year$10,000 became $15,690 · $22,983+18.1%

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

1.42%Trailing 12-mo yield$142 · $0 a year on $10k0.00%

−14.8%Worst dropSmaller is better−28.0%

15.3%VolatilityLower is calmer28.9%

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

6–2XLF wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs GLDM: Top 5 Holdings

Today

XLF

43.8%in top 5

GLDM

in top 5[…]

XLFStockGLDM

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

9.0%Vnot top 5

6.6%MAnot top 5

4.0%BACnot top 5

Held in common[…]

End-of-day Nov 9, 2026 · share of each fund

XLF vs GLDM Returns, Every Period

SPDRXLF

+9.4%

5 years, per year

GLDMSPDR

+18.1%

5 years, per year

XLFGLDMFaded: behind in that period

2–2Level

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Sector vs Commodities: XLF vs GLDM

YTD

SPDRXLF

+7.2%

GLDMSPDR

−4.1%

+7.2%Year to date−4.1%

−14.8%Worst drop · 1Y−28.0%

15.3%Volatility · 1Y28.9%

1.4%Yield0.0%

$53.4BAssets$30.8B

4–0XLF wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, GLDM, GLD

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

GLDM0.10%$10

GLD0.40%$40

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: XLF, GLDM, GLD

1.42%highest, XLF

FundTrailing yieldYield$10k

XLF1.42%$142

GLDM0.00%$0

GLD0.00%$0

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$134most kept, XLF

XLF$142 − $8 = $134

GLDM$0 − $10 = −$10

GLD$0 − $40 = −$40

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: XLF, GLDM, GLD

Today

[…]holdings […]

XLFGLDMGLD

XLF—[…][…]

GLDM[…]—[…]

GLD[…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+12.4%XLF, at 15.3% volatility

XLFWorst drop−14.8%15.3% vol

GLDMWorst drop−28.0%28.9% vol

GLDWorst drop−28.3%29.0% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

XLFGLDM

+7.2%Year to date−4.1%

1.4%Yield0.0%

+12.4%Past year+4.0%

0.08%Fee0.10%

4–0XLF wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026