Compare · 3 funds side by side · dividends reinvested

XRT, FDIS and XLF

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$15,474XLF · best of the three

02 / 04

XRT, FDIS and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+5.7%+10.4%+22.5%+9.1%−14.8%15.3%$55.5B1.4

State Street SPDR S&P Retail ETFSectors · Consumer0.35%0.83%+5.7%+11.2%+16.6%+0.5%−13.5%21.4%$571M2.0

Fidelity MSCI Consumer Discretionary Index ETFSectors · Consumer0.08%0.76%+0.1%−0.6%+15.8%+3.9%−15.5%19.7%$1.6B2.5

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

End-of-day Nov 6, 2026 · returns include dividends · since: XRT 2006 · FDIS 2013 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P Retail ETF · $571M$10,264

XRT

FDIS

Fidelity MSCI Consumer Discretionary Index ETF · $1.6B$12,079

$10,000 five years ago, dividends reinvested · they hold 14.2% in common

XRTMeasureFDIS

+5.7%Year to dateJan 1 → Nov 6+0.1%

+11.2%1 yearTotal return−0.6%

+16.6%3 years · per year$10,000 became $15,843 · $15,537+15.8%

+0.5%5 years · per year$10,000 became $10,264 · $12,079+3.9%

0.35%Expense ratio$35 · $8 a year on $10k · lower is better0.08%

0.83%Trailing 12-mo yield$83 · $76 a year on $10k0.76%

−13.5%Worst dropSmaller is better−15.5%

21.4%VolatilityLower is calmer19.7%

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

5–3XRT wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XRT vs FDIS: Top 5 Holdings

Today

XRT

8.9%in top 5

FDIS

in top 547.2%

XRTStockFDIS

not top 5AMZN22.4%

not top 5TSLA14.4%

not top 5HD5.2%

not top 5MCD3.0%

not top 5TJX2.3%

1.8%VSXYnot top 5

1.8%UPBDnot top 5

1.8%KSSnot top 5

1.8%REALnot top 5

1.7%ASOnot top 5

Held in common14.2%

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

XRT vs FDIS Returns, Every Period

SPDRXRT

+0.5%

5 years, per year

FDISFidelity

+3.9%

5 years, per year

XRTFDISFaded: behind in that period

3–1XRT wins

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

XRT vs XLF

YTD

SPDRXRT

+5.7%

XLFSPDR

+5.7%

+5.7%Year to date+5.7%

−13.5%Worst drop · 1Y−14.8%

21.4%Volatility · 1Y15.3%

0.8%Yield1.4%

$571MAssets$55.5B

2–1XLF wins

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

Cost, Income and Risk

Fees: XRT, FDIS, XLF

Today

0.08%lowest, FDIS

FundExpense ratioFee$10k

FDIS0.08%$8

XLF0.08%$8

XRT0.35%$35

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

Yields: XRT, FDIS, XLF

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

XRT0.83%$83

FDIS0.76%$76

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

Income After Fees on $10,000

$136most kept, XLF

XLF$144 − $8 = $136

FDIS$76 − $8 = $68

XRT$83 − $35 = $48

KeptFee

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

Overlap: XRT, FDIS, XLF

Today

14.2%most shared, XRT and FDIS

XRTFDISXLF

XRT—14.2%0.0%

FDIS14.2%—0.0%

XLF0.0%0.0%—

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

Return vs Bumpiness: 3 ETFs

+11.2%XRT, at 21.4% volatility

XLFWorst drop−14.8%15.3% vol

FDISWorst drop−15.5%19.7% vol

XRTWorst drop−13.5%21.4% vol

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

Paid More vs Made More

YTD

XLFXRT

+5.7%Year to date+5.7%

1.4%Yield0.8%

+10.4%Past year+11.2%

0.08%Fee0.35%

2–1XLF 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

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

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026