Compare · 3 funds side by side · dividends reinvested

XLF, SPY and QQQ

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,509QQQ · best of the three

02 / 04

XLF, SPY and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$778B1.8

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$54.5B1.9

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.47%+7.2%+5.8%+23.2%+11.9%−14.8%21.3%$446B2.4

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 · SPY 1993 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $54.5B$15,474

XLF

SPY

State Street SPDR S&P 500 ETF · $778B$17,118

$10,000 five years ago, dividends reinvested · they hold 12.8% in common

XLFMeasureSPY

+5.7%Year to dateJan 1 → Nov 6+8.7%

+10.4%1 yearTotal return+9.7%

+22.5%3 years · per year$10,000 became $18,391 · $18,039+21.7%

+9.1%5 years · per year$10,000 became $15,474 · $17,118+11.3%

0.08%Expense ratio$8 · $9 a year on $10k · lower is better0.09%

1.44%Trailing 12-mo yield$144 · $103 a year on $10k1.03%

−14.8%Worst dropSmaller is better−8.9%

15.3%VolatilityLower is calmer13.6%

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

4–4Level

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 SPY: Top 5 Holdings

Today

XLF

43.7%in top 5

SPY

in top 527.8%

XLFStockSPY

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

8.9%Vnot top 5

not top 5AAPL7.9%

not top 5NVDA6.9%

6.5%MAnot top 5

not top 5MSFT6.3%

not top 5AMZN4.0%

4.0%BACnot top 5

not top 5GOOGL2.6%

Held in common12.8%

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

XLF vs SPY Returns, Every Period

SPDRXLF

+9.1%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

XLFSPYFaded: behind in that period

2–2Level

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

Sector vs Core: XLF vs SPY

YTD

SPDRXLF

+5.7%

SPYSPDR

+8.7%

+5.7%Year to date+8.7%

−14.8%Worst drop · 1Y−8.9%

15.3%Volatility · 1Y13.6%

1.4%Yield1.0%

$54.5BAssets$778B

3–1SPY wins

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

Cost, Income and Risk

Fees: XLF, SPY, QQQ

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

SPY0.09%$9

QQQ0.18%$18

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

Yields: XLF, SPY, QQQ

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

SPY1.03%$103

QQQ0.47%$47

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

SPY$103 − $9 = $94

QQQ$47 − $18 = $29

KeptFee

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

Overlap: XLF, SPY, QQQ

Today

52.1%most shared, SPY and QQQ

XLFSPYQQQ

XLF—12.8%0.2%

SPY12.8%—52.1%

QQQ0.2%52.1%—

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

Return vs Bumpiness: 3 ETFs

+10.4%XLF, at 15.3% volatility

SPYWorst drop−8.9%13.6% vol

XLFWorst drop−14.8%15.3% vol

QQQWorst drop−14.8%21.3% vol

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

Paid More vs Made More

YTD

XLFSPY

+5.7%Year to date+8.7%

1.4%Yield1.0%

+10.4%Past year+9.7%

0.08%Fee0.09%

3–1XLF wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

2–0SPYM wins

End-of-day Nov 6, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+7.2%

QQQInvesco

+7.2%

+7.2%Year to date+7.2%

0.15% · $15Fee · on $10k a year0.18% · $18

$103BAssets$446B

1–0QQQM wins

End-of-day Nov 6, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−0.3%

QQQInvesco

+7.2%

−0.3%Year to date+7.2%

0.94% · $94Fee · on $10k a year0.18% · $18

$29.1BAssets$446B

2–0QQQ wins

End-of-day Nov 6, 2026