Compare · 3 funds side by side · dividends reinvested

XLF, SCHD and XLK

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$21,164XLK · best of the three

02 / 04

XLF, SCHD and XLK, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%3.00%+31.4%+37.0%+20.0%+10.2%−6.9%11.7%$120B1.4

State Street Technology Select Sector SPDR ETFSectors · Technology0.08%0.51%+14.8%+12.2%+26.2%+16.2%−19.6%28.5%$117B2.1

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$55.5B2.4

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

End-of-day Nov 6, 2026 · returns include dividends · since: XLF 1998 · SCHD 2011 · XLK 1998

Head to Head

Swap sides Versus in desk

Head to Head

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

XLF

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,267

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

XLFMeasureSCHD

+5.7%Year to dateJan 1 → Nov 6+31.4%

+10.4%1 yearTotal return+37.0%

+22.5%3 years · per year$10,000 became $18,391 · $17,266+20.0%

+9.1%5 years · per year$10,000 became $15,474 · $16,267+10.2%

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

1.44%Trailing 12-mo yield$144 · $300 a year on $10k3.00%

−14.8%Worst dropSmaller is better−6.9%

15.3%VolatilityLower is calmer11.7%

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

1–7SCHD 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 SCHD: Top 5 Holdings

Today

XLF

43.7%in top 5

SCHD

in top 521.4%

XLFStockSCHD

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

8.9%Vnot top 5

6.5%MAnot top 5

not top 5PG4.5%

not top 5HD4.3%

not top 5TXN4.3%

not top 5KO4.3%

not top 5AMGN4.1%

4.0%BACnot top 5

Held in common3.4%

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

XLF vs SCHD Returns, Every Period

SPDRXLF

+9.1%

5 years, per year

SCHDSchwab

+10.2%

5 years, per year

XLFSCHDFaded: behind in that period

1–3SCHD wins

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

Sector vs Income: XLF vs SCHD

YTD

SPDRXLF

+5.7%

SCHDSchwab

+31.4%

+5.7%Year to date+31.4%

−14.8%Worst drop · 1Y−6.9%

15.3%Volatility · 1Y11.7%

1.4%Yield3.0%

$55.5BAssets$120B

4–0SCHD wins

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

Cost, Income and Risk

Fees: XLF, SCHD, XLK

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

XLF0.08%$8

XLK0.08%$8

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

Yields: XLF, SCHD, XLK

3.00%highest, SCHD

FundTrailing yieldYield$10k

SCHD3.00%$300

XLF1.44%$144

XLK0.51%$51

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

Income After Fees on $10,000

$294most kept, SCHD

SCHD$300 − $6 = $294

XLF$144 − $8 = $136

XLK$51 − $8 = $43

KeptFee

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

Overlap: XLF, SCHD, XLK

Today

4.0%most shared, SCHD and XLK

XLFSCHDXLK

XLF—3.4%0.0%

SCHD3.4%—4.0%

XLK0.0%4.0%—

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

Return vs Bumpiness: 3 ETFs

+37.0%SCHD, at 11.7% volatility

SCHDWorst drop−6.9%11.7% vol

XLFWorst drop−14.8%15.3% vol

XLKWorst drop−19.6%28.5% vol

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

Paid More vs Made More

YTD

SCHDXLK

+31.4%Year to date+14.8%

3.0%Yield0.5%

+37.0%Past year+12.2%

0.06%Fee0.08%

4–0SCHD wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

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

XLK vs VGT

YTD

SPDRXLK

+14.8%

VGTVanguard

+15.6%

+14.8%Year to date+15.6%

0.08% · $8Fee · on $10k a year0.09% · $9

$117BAssets$155B

1–1level

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