FNCLvsXLREETF Comparison
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Fidelity MSCI Financials Index ETF (FNCL) belongs to the US Financials segment. State Street Real Estate Select Sector SPDR ETF (XLRE) is part of the US Real Estate segment. FNCL's top 3 sector exposures are Finance, Technology and Business Services. In contrast, XLRE's top sector exposures are Finance and Technology. FNCL is more expensive with a Total Expense Ratio (TER) of 0.084%, versus 0.08% for XLRE. FNCL is up 5.06% year-to-date (YTD) with -$168M in YTD flows. XLRE performs better with 9.25% YTD performance, and +$271M in YTD flows. Run a side-by-side ETF comparison of FNCL and XLRE below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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FNCL vs XLRE performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 10/29/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | FNCL XLRE | +5.18%+4.13% | +0.12%-5.50% | +5.06%+9.25% | +11.05%+9.66% | +89.26%+46.95% | +53.53%+6.66% |
| Flows | FNCL XLRE | -$58M+$140M | -$26M-$101M | -$168M+$271M | -$197M+$19M | +$62M+$2.61B | -$190M+$4.01B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | FNCL XLRE | +12.90%+13.83% | +14.70%+14.33% | +16.77%+16.62% | +19.02%+19.21% |
| Max drawdown | FNCL XLRE | -8.79%-10.97% | -14.71%-11.05% | -17.30%-16.56% | -25.71%-34.12% |
| Max drawdown duration | FNCL XLRE | 56d92d | 177d93d | 129d441d | 770d1618d |
Trading data
FNCL | XLRE | |
Last sale 10/30/2026 at 1:30 PM | $79.94 | $43.17 |
| Previous close 10/29/2026 | $80.49 | $43.06 |
| Consolidated volume 10/29/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of September 30, 2026
1-year trailing difference
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FNCL | XLRE | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 10/30/2026 at 1:30 PM
Live
Closed
FNCL | XLRE | |
|---|---|---|
| Last price | $79.94 | $43.17 |
| 1D performance | -0.68% | +0.26% |
| AuM | $2.33 B | $8.13 B |
| E/R | 0.084% | 0.08% |
Characteristics
FNCL | XLRE | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | Fidelity | State Street Investment Management |
| Benchmark | MSCI USA IMI Financials 25/50 Index | S&P Real Estate Select Sector Index |
| N° of holdings | 308 | 30 |
| Asset class | - | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | October 21, 2013 | October 7, 2015 |
| ESG | No | No |
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Exposure
Countries
FNCL
USA
96.5%
Other
3.5%
XLRE
USA
99.56%
Other
0.44%
Sectors
FNCL
Finance
95.79%
Other
4.21%
XLRE
Finance
98.25%
Other
1.75%
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Diversification
FNCL
Total weight of top 15 holdings out of 15
59.3%
XLRE
Total weight of top 15 holdings out of 15
77.4%
Top 15 holdings
Data as of September 30, 2026
FNCL
JPMorgan Chase & Co.
11.04%
Berkshire Hathaway, Inc.
8.64%
Visa, Inc.
7.38%
Mastercard, Inc.
5.58%
Bank of America Corp.
4.46%
The Goldman Sachs Group, Inc.
3.34%
Wells Fargo & Co.
3.04%
Morgan Stanley
2.81%
Citigroup, Inc.
2.77%
The Charles Schwab Corp.
1.98%
American Express Co.
1.97%
BlackRock, Inc.
1.93%
S&P Global, Inc.
1.48%
The Progressive Corp.
1.45%
Capital One Financial Corp.
1.42%
XLRE
Welltower, Inc.
11.69%
Prologis, Inc.
8.69%
Equinix, Inc.
7.03%
American Tower Corp.
5.37%
Simon Property Group, Inc.
4.65%
Public Storage
4.55%
Ventas, Inc.
4.51%
Equity Residential
4.43%
Digital Realty Trust, Inc.
4.40%
CBRE Group, Inc.
4.31%
Realty Income Corp.
4.28%
Iron Mountain, Inc.
3.89%
Crown Castle, Inc.
3.34%
Extra Space Storage, Inc.
3.27%
VICI Properties, Inc.
2.98%
Frequently asked questions about FNCL and XLRE
How have the FNCL and XLRE ETFs performed in 2026?
As of October 29, 2026, FNCL is up 5.06% year-to-date (YTD), while XLRE has returned 9.25%. That puts XLRE better performer ahead so far this year.
Which ETF is attracting more investor money: FNCL or XLRE?
Year-to-date, the FNCL ETF saw -$168M in flows, compared to +$271M for XLRE.
Which ETF is more volatile: FNCL or XLRE?
Over the past year, FNCL had a volatility of 14.7%, while XLRE experienced 14.33%.
Which ETF is bigger: FNCL or XLRE?
As of October 29, 2026, FNCL holds $2.33 B in assets under management (AUM), while XLRE manages $8.13 B.
What sectors do the FNCL and XLRE ETFs invest in?
FNCL leans toward sectors like Finance. Meanwhile, XLRE focuses on Finance.
What are the top holdings of the FNCL ETF and XLRE ETF?
FNCL top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. XLRE holds in its top three: Welltower, Inc., Prologis, Inc. and Equinix, Inc..
Which ETF is more diversified: FNCL or XLRE?
FNCL holds 308 securities with 59.3% of its assets in the top 15. XLRE has 30 securities and a top 15 weight of 77.4%.
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Latest news about FNCL & XLRE
Investing in Sector ETFs: Financials and Real Estate
September 11, 2024
XLRE
Exploring Sector Rotation: Value vs. Growth
August 5, 2024
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Two Ways to Get Real Estate Income with ETFs
August 2, 2024
XLRE
Real Estate Sector Declines on Fed Minutes
May 27, 2024
XLRE
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Real Estate Sector Suffers Third Weekly Loss Amid Rising Treasury Yields
April 22, 2024
XLRE
Real Estate Sector Suffers Third Weekly Loss Amid Rising Treasury Yields
April 22, 2024
XLRE
Real Estate ETFs Hit Again by the Rise in Treasury Yields
April 15, 2024
XLRE
Real Estate Sector Hit by Stronger-Than-Expected Inflation Data
March 19, 2024
XLRE
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