IYGvsXLFETF Comparison
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iShares U.S. Financial Services ETF (IYG) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Finance, Technology and Business Services. IYG is more expensive with a Total Expense Ratio (TER) of 0.38%, versus 0.08% for XLF. IYG is up 2.95% year-to-date (YTD) with +$43M in YTD flows. XLF performs better with 4.37% YTD performance, and +$3.39B in YTD flows. Run a side-by-side ETF comparison of IYG and XLF 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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IYG vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 07/29/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | IYG XLF | +4.35%+5.50% | +8.13%+9.55% | +2.95%+4.37% | +8.85%+9.03% | +74.99%+68.09% | +63.07%+67.89% |
| Flows | IYG XLF | +$89M+$4.15B | -$2M+$1.79B | +$43M+$3.39B | +$125M+$1.87B | +$117M+$2.74B | -$753M+$1.52B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | IYG XLF | +14.61%+13.67% | +15.93%+14.69% | +17.73%+16.09% | +20.41%+18.48% |
| Max drawdown | IYG XLF | -2.49%-2.48% | -15.91%-14.79% | -18.59%-15.51% | -29.58%-25.84% |
| Max drawdown duration | IYG XLF | 7d34d | 189d177d | 127d116d | 797d770d |
Trading data
IYG | XLF | |
Last sale 7/30/2026 at 1:30 PM | $95.46 | $57.00 |
| Previous close 07/29/2026 | $94.44 | $56.68 |
| Consolidated volume 07/29/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of June 30, 2026
1-year trailing difference
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IYG | XLF | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 7/30/2026 at 1:30 PM
Live
Closed
IYG | XLF | |
|---|---|---|
| Last price | $95.46 | $57.00 |
| 1D performance | +1.08% | +0.56% |
| AuM | $2.15 B | $58.17 B |
| E/R | 0.38% | 0.08% |
Characteristics
IYG | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | iShares | State Street Investment Management |
| Benchmark | Dow Jones U.S. Financial Services Index | S&P Financials Select Sector Index |
| N° of holdings | 101 | 76 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 12, 2000 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
IYG
USA
99.64%
Other
0.36%
XLF
USA
96.95%
Other
3.05%
Sectors
IYG
Finance
96.25%
Other
3.75%
XLF
Finance
96.22%
Other
3.78%
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Diversification
IYG
Total weight of top 15 holdings out of 15
72.88%
XLF
Total weight of top 15 holdings out of 15
66.77%
Top 15 holdings
Data as of June 30, 2026
IYG
Berkshire Hathaway, Inc.
13.35%
JPMorgan Chase & Co.
12.76%
Visa, Inc.
8.29%
Mastercard, Inc.
6.03%
Bank of America Corp.
5.41%
The Goldman Sachs Group, Inc.
4.34%
Wells Fargo & Co.
3.68%
Morgan Stanley
3.65%
Citigroup, Inc.
3.47%
American Express Co.
2.62%
The Charles Schwab Corp.
2.20%
BlackRock, Inc.
2.02%
Capital One Financial Corp.
1.82%
S&P Global, Inc.
1.80%
The Bank of New York Mellon Corp.
1.44%
XLF
Berkshire Hathaway, Inc.
12.16%
JPMorgan Chase & Co.
11.63%
Visa, Inc.
7.55%
Mastercard, Inc.
5.49%
Bank of America Corp.
4.93%
The Goldman Sachs Group, Inc.
3.95%
Wells Fargo & Co.
3.35%
Morgan Stanley
3.32%
Citigroup, Inc.
3.16%
American Express Co.
2.39%
The Charles Schwab Corp.
2.00%
BlackRock, Inc.
1.84%
Progressive Corp.
1.69%
Capital One Financial Corp.
1.66%
S&P Global, Inc.
1.64%
Frequently asked questions about IYG and XLF
How have the IYG and XLF ETFs performed in 2026?
As of July 29, 2026, IYG is up 2.95% year-to-date (YTD), while XLF has returned 4.37%. That puts XLF better performer ahead so far this year.
Which ETF is attracting more investor money: IYG or XLF?
Year-to-date, the IYG ETF saw +$43M in flows, compared to +$3.39B for XLF.
Which ETF is more volatile: IYG or XLF?
Over the past year, IYG had a volatility of 15.93%, while XLF experienced 14.69%.
Which ETF is bigger: IYG or XLF?
As of July 29, 2026, IYG holds $2.15 B in assets under management (AUM), while XLF manages $58.17 B.
What sectors do the IYG and XLF ETFs invest in?
IYG leans toward sectors like Finance. Meanwhile, XLF focuses on Finance.
What are the top holdings of the IYG ETF and XLF ETF?
IYG top holdings include Berkshire Hathaway, Inc., JPMorgan Chase & Co. and Visa, Inc.. XLF holds in its top three: Berkshire Hathaway, Inc., JPMorgan Chase & Co. and Visa, Inc..
Which ETF is more diversified: IYG or XLF?
IYG holds 101 securities with 72.88% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 66.77%.
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