Compare · 3 funds side by side · dividends reinvested

XLF, IUSB and SGOV

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,503XLF · best of the three

02 / 04

XLF, IUSB and SGOV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B2.0

iShares Core Universal USD Bond ETFBonds & Cash · Core aggregate0.06%4.33%+0.2%+0.6%+6.0%+0.3%−4.3%3.9%$50.4B2.1

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 · IUSB 2014 · SGOV 2020

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $55.5B$15,503

XLF

IUSB

iShares Core Universal USD Bond ETF · $50.4B$10,142

$10,000 five years ago, dividends reinvested

XLFMeasureIUSB

+6.3%Year to dateJan 1 → Nov 5+0.2%

+11.4%1 yearTotal return+0.6%

+23.0%3 years · per year$10,000 became $18,620 · $11,909+6.0%

+9.2%5 years · per year$10,000 became $15,503 · $10,142+0.3%

0.08%Expense ratio$8 · $6 a year on $10k · lower is better0.06%

1.44%Trailing 12-mo yield$144 · $433 a year on $10k4.33%

−14.8%Worst dropSmaller is better−4.3%

15.3%VolatilityLower is calmer3.9%

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

4–4Level

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

More Ways to See the Pairs

XLF vs IUSB: Top 5 Holdings

Today

XLF

43.7%in top 5

IUSB

in top 5[…]

XLFStockIUSB

12.9%BRK-Bnot top 5

11.2%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 5, 2026 · share of each fund

XLF vs IUSB Returns, Every Period

SPDRXLF

+9.2%

5 years, per year

IUSBiShares

+0.3%

5 years, per year

XLFIUSBFaded: behind in that period

4–0XLF wins

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

Sector vs Bonds: XLF vs IUSB

YTD

SPDRXLF

+6.3%

IUSBiShares

+0.2%

+6.3%Year to date+0.2%

−14.8%Worst drop · 1Y−4.3%

15.3%Volatility · 1Y3.9%

1.4%Yield4.3%

$55.5BAssets$50.4B

3–1IUSB wins

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

Cost, Income and Risk

Fees: XLF, IUSB, SGOV

Today

0.06%lowest, IUSB

FundExpense ratioFee$10k

IUSB0.06%$6

XLF0.08%$8

SGOV0.09%$9

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

Yields: XLF, IUSB, SGOV

4.33%highest, IUSB

FundTrailing yieldYield$10k

IUSB4.33%$433

SGOV3.63%$363

XLF1.44%$144

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

Income After Fees on $10,000

$427most kept, IUSB

IUSB$433 − $6 = $427

SGOV$363 − $9 = $354

XLF$144 − $8 = $136

KeptFee

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

Overlap: XLF, IUSB, SGOV

Today

[…]holdings […]

XLFIUSBSGOV

XLF—[…][…]

IUSB[…]—[…]

SGOV[…][…]—

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

Return vs Bumpiness: 3 ETFs

+11.4%XLF, at 15.3% volatility

SGOVWorst drop0.0%0.2% vol

IUSBWorst drop−4.3%3.9% vol

XLFWorst drop−14.8%15.3% vol

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

Paid More vs Made More

YTD

IUSBXLF

+0.2%Year to date+6.3%

4.3%Yield1.4%

+0.6%Past year+11.4%

0.06%Fee0.08%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL 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