Compare · 3 funds side by side · dividends reinvested

XLF, SCHD and XLE

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$26,379XLE · best of the three

02 / 04

XLF, SCHD and XLE, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.91%+35.3%+41.6%+21.4%+11.0%−6.9%11.5%$123B1.5

State Street Energy Select Sector SPDR ETFSectors · Energy0.08%2.40%+44.9%+48.2%+18.0%+21.4%−15.0%23.2%$44.1B2.0

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$53.8B2.4

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

End-of-day Nov 4, 2026 · returns include dividends · since: XLF 1998 · SCHD 2011 · XLE 1998

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.8B$16,157

XLF

SCHD

Schwab U.S. Dividend Equity ETF · $123B$16,881

$10,000 five years ago, dividends reinvested · they hold 3.4% in common

XLFMeasureSCHD

+9.4%Year to dateJan 1 → Nov 4+35.3%

+15.3%1 yearTotal return+41.6%

+24.7%3 years · per year$10,000 became $19,384 · $17,908+21.4%

+10.1%5 years · per year$10,000 became $16,157 · $16,881+11.0%

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

1.40%Trailing 12-mo yield$140 · $291 a year on $10k2.91%

−14.8%Worst dropSmaller is better−6.9%

15.0%VolatilityLower is calmer11.5%

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

1–7SCHD wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs SCHD: Top 5 Holdings

Today

XLF

43.4%in top 5

SCHD

in top 521.6%

XLFStockSCHD

12.9%BRK-Bnot top 5

11.2%JPMnot top 5

8.9%Vnot top 5

6.5%MAnot top 5

not top 5TXN4.8%

not top 5PG4.3%

not top 5KO4.2%

not top 5CVX4.2%

not top 5COP4.1%

4.0%BACnot top 5

Held in common3.4%

End-of-day Nov 4, 2026 · share of each fund

XLF vs SCHD Returns, Every Period

SPDRXLF

+10.1%

5 years, per year

SCHDSchwab

+11.0%

5 years, per year

XLFSCHDFaded: behind in that period

1–3SCHD wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Sector vs Income: XLF vs SCHD

YTD

SPDRXLF

+9.4%

SCHDSchwab

+35.3%

+9.4%Year to date+35.3%

−14.8%Worst drop · 1Y−6.9%

15.0%Volatility · 1Y11.5%

1.4%Yield2.9%

$53.8BAssets$123B

4–0SCHD wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, SCHD, XLE

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

XLF0.08%$8

XLE0.08%$8

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: XLF, SCHD, XLE

2.91%highest, SCHD

FundTrailing yieldYield$10k

SCHD2.91%$291

XLE2.40%$240

XLF1.40%$140

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$285most kept, SCHD

SCHD$291 − $6 = $285

XLE$240 − $8 = $232

XLF$140 − $8 = $132

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: XLF, SCHD, XLE

Today

15.1%most shared, SCHD and XLE

XLFSCHDXLE

XLF—3.4%0.0%

SCHD3.4%—15.1%

XLE0.0%15.1%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+48.2%XLE, at 23.2% volatility

SCHDWorst drop−6.9%11.5% vol

XLFWorst drop−14.8%15.0% vol

XLEWorst drop−15.0%23.2% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

SCHDXLE

+35.3%Year to date+44.9%

2.9%Yield2.4%

+41.6%Past year+48.2%

0.06%Fee0.08%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

XLE vs VDE

YTD

SPDRXLE

+44.9%

VDEVanguard

+42.7%

+44.9%Year to date+42.7%

2.4%Yield2.3%

$44.1BAssets$10.4B

2–0XLE wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026