Compare · 3 funds side by side · dividends reinvested

XLF, GTO and SGOV

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,733XLF · best of the three

Story of the three · IncomeMost incomeGTO · 4.95% · $495 a year on $10k

Story of the three · RiskSmallest drop

XLF, GTO and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.7%+12.2%+21.8%+9.5%−14.8%15.3%$53.4B1.8

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.2%+3.8%+4.5%+3.9%0.0%0.2%$116B1.9

Invesco Total Return Bond ETFBonds & Cash · Core aggregate0.35%4.95%−0.7%−0.2%+5.1%−0.3%−4.5%3.7%$2.6B2.4

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

End-of-day Nov 10, 2026 · returns include dividends · since: XLF 1998 · GTO 2016 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street Financial Select Sector SPDR ETF · $53.4B$15,733

XLF

GTO

Invesco Total Return Bond ETF · $2.6B$9,843

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

XLFMeasure

More Ways to See the Pairs

XLF vs GTO: Top 5 Holdings

Today

XLF

43.6%in top 5

GTO

in top 54.0%

XLFStockGTO

13.1%BRK-Bnot top 5

11.1%JPMnot top 5

8.8%Vnot top 5

6.5%MAnot top 5

4.0%BACnot top 5

Cost, Income and Risk

Fees: XLF, GTO, SGOV

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

SGOV0.09%$9

GTO0.35%$35

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

Yields: XLF, GTO, SGOV

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.2%

BILSPDR

+3.1%

+3.2%Year to date+3.1%

3.6%Yield3.7%

$116BAssets$48.7B

1–1level

End-of-day Nov 10, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.0%

JEPIJ.P. Morgan

+7.6%

GTO

+7.7%Year to dateJan 1 → Nov 10−0.7%

+12.2%1 yearTotal return−0.2%

+21.8%3 years · per year$10,000 became $18,086 · $11,621+5.1%

+9.5%5 years · per year$10,000 became $15,733 · $9,843−0.3%

0.08%Expense ratio$8 · $35 a year on $10k · lower is better0.35%

1.42%Trailing 12-mo yield$142 · $495 a year on $10k4.95%

−14.8%Worst dropSmaller is better−4.5%

15.3%VolatilityLower is calmer3.7%

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

5–3XLF wins

End-of-day Nov 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

not top 5AGPXX2.8%

not top 5ISDB0.6%

not top 5GTOC0.3%

not top 5GTOQ0.1%

not top 5METAM0.1%

Held in common0.0%

End-of-day Nov 10, 2026 · share of each fund

XLF vs GTO Returns, Every Period

5Y

SPDRXLF

+9.5%

5 years, per year

GTOInvesco

−0.3%

5 years, per year

XLFGTOFaded: behind in that period

4–0XLF wins

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

Sector vs Bonds: XLF vs GTO

YTD

SPDRXLF

+7.7%

GTOInvesco

−0.7%

+7.7%Year to date−0.7%

−14.8%Worst drop · 1Y−4.5%

15.3%Volatility · 1Y3.7%

1.4%Yield4.9%

$53.4BAssets$2.6B

3–1GTO wins

End-of-day Nov 10, 2026 · smaller drop and lower volatility win

1Y

4.95%highest, GTO

FundTrailing yieldYield$10k

GTO4.95%$495

SGOV3.63%$363

XLF1.42%$142

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$460most kept, GTO

GTO$495 − $35 = $460

SGOV$363 − $9 = $354

XLF$142 − $8 = $134

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: XLF, GTO, SGOV

Today

0.0%most shared, XLF and GTO

XLFGTOSGOV

XLF—0.0%[…]

GTO0.0%—[…]

SGOV[…][…]—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+12.2%XLF, at 15.3% volatility

SGOVWorst drop0.0%0.2% vol

GTOWorst drop−4.5%3.7% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

GTOXLF

−0.7%Year to date+7.7%

4.9%Yield1.4%

−0.2%Past year+12.2%

0.35%Fee0.08%

3–1XLF wins

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

+6.0%Year to date+7.6%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 10, 2026

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XLF, GTO and SGOV

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three