Compare · 3 funds side by side · dividends reinvested

XLF, XLE and IAU

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$25,271XLE · best of the three

02 / 04

XLF, XLE and IAU, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Energy Select Sector SPDR ETFSectors · Energy0.08%2.46%+41.3%+44.3%+15.9%+20.4%−15.0%23.3%$40.5B1.5

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.42%+7.2%+12.4%+22.2%+9.4%−14.8%15.3%$53.4B1.8

iShares Gold TrustCommodities · Gold0.25%0.00%−4.2%+3.7%+27.4%+17.9%−28.2%28.9%$61.0B2.6

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

End-of-day Nov 9, 2026 · returns include dividends · since: XLF 1998 · XLE 1998 · IAU 2005

Head to Head

Swap sides Versus in desk

Head to Head

State Street Financial Select Sector SPDR ETF · $53.4B$15,690

XLF

XLE

State Street Energy Select Sector SPDR ETF · $40.5B$25,271

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

XLFMeasureXLE

+7.2%Year to dateJan 1 → Nov 9+41.3%

+12.4%1 yearTotal return+44.3%

+22.2%3 years · per year$10,000 became $18,230 · $15,555+15.9%

+9.4%5 years · per year$10,000 became $15,690 · $25,271+20.4%

0.08%Expense ratio$8 · $8 a year on $10k · lower is better0.08%

1.42%Trailing 12-mo yield$142 · $246 a year on $10k2.46%

−14.8%Worst dropSmaller is better−15.0%

15.3%VolatilityLower is calmer23.3%

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

3–4XLE wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs XLE: Top 5 Holdings

Today

XLF

43.8%in top 5

XLE

in top 559.6%

XLFStockXLE

not top 5XOM24.5%

not top 5CVX18.8%

13.2%BRK-Bnot top 5

11.1%JPMnot top 5

9.0%Vnot top 5

not top 5COP7.3%

6.6%MAnot top 5

not top 5PSX4.5%

not top 5MPC4.4%

4.0%BACnot top 5

Held in common0.0%

End-of-day Nov 9, 2026 · share of each fund

XLF vs XLE Returns, Every Period

SPDRXLF

+9.4%

5 years, per year

XLESPDR

+20.4%

5 years, per year

XLFXLEFaded: behind in that period

1–3XLE wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

XLF vs XLE

YTD

SPDRXLF

+7.2%

XLESPDR

+41.3%

+7.2%Year to date+41.3%

−14.8%Worst drop · 1Y−15.0%

15.3%Volatility · 1Y23.3%

1.4%Yield2.5%

$53.4BAssets$40.5B

2–2level

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, XLE, IAU

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

XLE0.08%$8

IAU0.25%$25

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: XLF, XLE, IAU

2.46%highest, XLE

FundTrailing yieldYield$10k

XLE2.46%$246

XLF1.42%$142

IAU0.00%$0

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$238most kept, XLE

XLE$246 − $8 = $238

XLF$142 − $8 = $134

IAU$0 − $25 = −$25

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: XLF, XLE, IAU

Today

0.0%most shared, XLF and XLE

XLFXLEIAU

XLF—0.0%[…]

XLE0.0%—[…]

IAU[…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+44.3%XLE, at 23.3% volatility

XLFWorst drop−14.8%15.3% vol

XLEWorst drop−15.0%23.3% vol

IAUWorst drop−28.2%28.9% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

XLEXLF

+41.3%Year to date+7.2%

2.5%Yield1.4%

+44.3%Past year+12.4%

0.08%Fee0.08%

3–0XLE wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

GLDM vs GLD

YTD

SPDRGLDM

−4.1%

GLDSPDR

−4.2%

−4.1%Year to date−4.2%

0.10% · $10Fee · on $10k a year0.40% · $40

$30.8BAssets$136B

2–0GLDM wins

End-of-day Nov 9, 2026

XLE vs VDE

YTD

SPDRXLE

+41.3%

VDEVanguard

+39.4%

+41.3%Year to date+39.4%

2.5%Yield2.4%

$40.5BAssets$10.4B

2–0XLE wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026