REMvsXLFETF Comparison
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iShares Mortgage Real Estate ETF (REM) 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: and Financials. REM is more expensive with a Total Expense Ratio (TER) of 0.48%, versus 0.08% for XLF. REM is up 4.41% year-to-date (YTD) with -$72M in YTD flows. XLF performs worse with -5.56% YTD performance, and +$1.18B in YTD flows. Run a side-by-side ETF comparison of REM 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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REM vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 04/24/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | REM XLF | +10.37%+4.42% | -1.46%-3.16% | +4.41%-5.56% | +22.02%+8.27% | +38.78%+62.88% | -1.76%+58.07% |
| Flows | REM XLF | -$10M+$1.86B | -$77M-$2.30B | -$72M+$1.18B | -$32M-$624M | -$12M+$2.72B | -$560M-$1.59B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | REM XLF | +21.26%+17.57% | +17.31%+14.66% | +21.16%+16.22% | +23.55%+18.72% |
| Max drawdown | REM XLF | -13.51%-11.42% | -14.09%-14.79% | -21.83%-15.51% | -43.18%-25.84% |
| Max drawdown duration | REM XLF | 87d75d | 95d108d | 140d116d | 1629d770d |
Trading data
REM | XLF | |
Last sale 4/24/2026 at 1:30 PM | $22.98 | $51.42 |
| Previous close 04/23/2026 | $22.75 | $51.80 |
| Consolidated volume 04/23/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of March 31, 2026
1-year trailing difference
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REM | 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 4/24/2026 at 1:30 PM
Live
Closed
REM | XLF | |
|---|---|---|
| Last price | $22.98 | $51.42 |
| 1D performance | +1.01% | -0.73% |
| AuM | $576.72 M | $51.01 B |
| E/R | 0.48% | 0.08% |
Characteristics
REM | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | iShares | State Street Investment Management |
| Benchmark | FTSE NAREIT All Mortgage Capped Index | S&P Financials Select Sector Index |
| N° of holdings | 26 | 75 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | May 1, 2007 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
REM
USA
97.88%
Other
2.12%
XLF
USA
95.93%
Other
4.07%
Sectors
REM
Financials
62.61%
Other
37.39%
XLF
Financials
82.37%
Information Techn.
15.19%
Other
2.44%
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Diversification
REM
Total weight of top 15 holdings out of 15
82.85%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of March 31, 2026
REM
US0357108390
21.71%
AGNC INVESTMENT CORP
14.20%
STARWOOD PROPERTY REIT
7.62%
BLACKSTONE MORTGAGE TRUST INC
4.59%
NEW RESIDENTIAL INVT CORP
4.52%
DYNEX CAPITAL REIT
4.37%
US0423157058
4.07%
ARBOR REALTY REIT
3.24%
APOLLO COMMERCIAL REAL EST FIN REIT
3.19%
ELLINGTON FINANCIAL INC
3.12%
US68571X3017
2.82%
US90187B8046
2.58%
LADDER CAPITAL
2.41%
US16934Q8024
2.22%
PENNYMAC MORTGE REIT
2.20%
XLF
BERKSHIRE HATHWAY
12.46%
JPMORGAN CHASE
11.24%
VISA INCORPORATION
7.20%
MASTERCARD
5.77%
BK OF AMERICA CO
4.59%
THE GOLDMAN SACHS GROUP
3.60%
WELLS FARGO
3.49%
CITIGROUP
2.81%
MORGAN STANLEY
2.81%
AMERICAN EXPRESS
2.30%
CHARLES SCHWAB
2.23%
US09290D1019
1.97%
S&P GLOBAL INC
1.84%
CHUBB LTD
1.68%
PROGRESSIVE
1.65%
Frequently asked questions about REM and XLF
How have the REM and XLF ETFs performed in 2026?
As of April 24, 2026, REM is up 4.41% year-to-date (YTD), while XLF has lost -5.56%. That puts REM better performer ahead so far this year.
Which ETF is attracting more investor money: REM or XLF?
Year-to-date, the REM ETF saw -$72M in flows, compared to +$1.18B for XLF.
Which ETF is more volatile: REM or XLF?
Over the past year, REM had a volatility of 17.31%, while XLF experienced 14.66%.
Which ETF is bigger: REM or XLF?
As of April 24, 2026, REM holds $576.72 M in assets under management (AUM), while XLF manages $51.01 B.
What sectors do the REM and XLF ETFs invest in?
REM leans toward sectors like Financials. Meanwhile, XLF focuses on Financials and Information Technology.
What are the top holdings of the REM ETF and XLF ETF?
REM top holdings include US0357108390, AGNC INVESTMENT CORP and STARWOOD PROPERTY REIT. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.
Which ETF is more diversified: REM or XLF?
REM holds 33 securities with 82.85% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.62%.
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Latest news about REM & XLF
Investing in Sector ETFs: Financials and Real Estate
September 11, 2024
XLF
Real Estate Sector Declines on Fed Minutes
May 27, 2024
REM
May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
May 22, 2024
XLF
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The Top Three Moments That Moved ETF Markets in 2023
January 3, 2024
XLF
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