Compare · 3 funds side by side · dividends reinvested

XLP, XRT and XLF

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,157XLF · best of the three

02 / 04

XLP, XRT and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Consumer Staples Select Sector SPDR ETFSectors · Consumer0.08%2.39%+20.6%+24.8%+13.8%+8.1%−9.7%15.6%$15.4B1.5

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$54.2B1.9

State Street SPDR S&P Retail ETFSectors · Consumer0.35%0.79%+10.6%+16.7%+18.6%+2.0%−13.5%21.3%$439M2.5

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: XLP 1998 · XRT 2006 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

State Street Consumer Staples Select Sector SPDR ETF · $15.4B$14,765

XLP

XRT

State Street SPDR S&P Retail ETF · $439M$11,026

$10,000 five years ago, dividends reinvested · they hold 10.3% in common

XLPMeasureXRT

+20.6%Year to dateJan 1 → Nov 4+10.6%

+24.8%1 yearTotal return+16.7%

+13.8%3 years · per year$10,000 became $14,746 · $16,670+18.6%

+8.1%5 years · per year$10,000 became $14,765 · $11,026+2.0%

0.08%Expense ratio$8 · $35 a year on $10k · lower is better0.35%

2.39%Trailing 12-mo yield$239 · $79 a year on $10k0.79%

−9.7%Worst dropSmaller is better−13.5%

15.6%VolatilityLower is calmer21.3%

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

7–1XLP wins

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

More Ways to See the Pairs

XLP vs XRT: Top 5 Holdings

Today

XLP

42.5%in top 5

XRT

in top 58.8%

XLPStockXRT

11.4%WMTnot top 5

9.3%COSTnot top 5

7.7%PGnot top 5

7.5%KOnot top 5

6.6%PMnot top 5

not top 5KSS1.8%

not top 5REAL1.8%

not top 5VSXY1.8%

not top 5BBWI1.7%

not top 5ETSY1.7%

Held in common10.3%

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

XLP vs XRT Returns, Every Period

SPDRXLP

+8.1%

5 years, per year

XRTSPDR

+2.0%

5 years, per year

XLPXRTFaded: behind in that period

3–1XLP wins

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

XLP vs XLF

YTD

SPDRXLP

+20.6%

XLFSPDR

+9.4%

+20.6%Year to date+9.4%

−9.7%Worst drop · 1Y−14.8%

15.6%Volatility · 1Y15.0%

2.4%Yield1.4%

$15.4BAssets$54.2B

3–1XLP wins

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

Cost, Income and Risk

Fees: XLP, XRT, XLF

Today

0.08%lowest, XLP

FundExpense ratioFee$10k

XLP0.08%$8

XLF0.08%$8

XRT0.35%$35

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

Yields: XLP, XRT, XLF

2.39%highest, XLP

FundTrailing yieldYield$10k

XLP2.39%$239

XLF1.40%$140

XRT0.79%$79

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

Income After Fees on $10,000

$231most kept, XLP

XLP$239 − $8 = $231

XLF$140 − $8 = $132

XRT$79 − $35 = $44

KeptFee

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

Overlap: XLP, XRT, XLF

Today

10.3%most shared, XLP and XRT

XLPXRTXLF

XLP—10.3%0.0%

XRT10.3%—0.0%

XLF0.0%0.0%—

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

Return vs Bumpiness: 3 ETFs

+24.8%XLP, at 15.6% volatility

XLFWorst drop−14.8%15.0% vol

XLPWorst drop−9.7%15.6% vol

XRTWorst drop−13.5%21.3% vol

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

Paid More vs Made More

YTD

XLPXRT

+20.6%Year to date+10.6%

2.4%Yield0.8%

+24.8%Past year+16.7%

0.08%Fee0.35%

4–0XLP wins

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%

$121BAssets$109B

2–0SCHD 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%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026