XLFvsIYGETF Comparison
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State Street Financial Select Sector SPDR ETF (XLF) and iShares U.S. Financial Services ETF (IYG) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Finance, Technology and Business Services. XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.37% for IYG. XLF is up 3.34% year-to-date (YTD) with -$2.38B in YTD flows. IYG performs worse with 2.03% YTD performance, and +$136M in YTD flows. Run a side-by-side ETF comparison of XLF and IYG 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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XLF vs IYG performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 10/23/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF IYG | +2.53%+1.47% | +0.46%-0.27% | +3.34%+2.03% | +8.06%+7.84% | +82.97%+96.38% | +50.21%+48.60% |
| Flows | XLF IYG | -$868M+$60M | -$4.07B+$107M | -$2.38B+$136M | -$4.67B+$205M | +$892M+$234M | -$5.82B-$737M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF IYG | +12.89%+13.29% | +14.45%+15.56% | +16.06%+17.65% | +18.33%+20.26% |
| Max drawdown | XLF IYG | -8.51%-8.52% | -14.79%-15.91% | -15.51%-18.59% | -25.84%-29.58% |
| Max drawdown duration | XLF IYG | 50d50d | 177d189d | 116d127d | 770d797d |
Trading data
XLF | IYG | |
Last sale 10/23/2026 at 1:30 PM | $55.90 | $93.31 |
| Previous close 10/22/2026 | $56.65 | $94.43 |
| Consolidated volume 10/22/2026 | ||
| 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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XLF | IYG | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 10/23/2026 at 1:30 PM
Live
Closed
XLF | IYG | |
|---|---|---|
| Last price | $55.90 | $93.31 |
| 1D performance | -1.32% | -1.19% |
| AuM | $51.73 B | $2.22 B |
| E/R | 0.08% | 0.37% |
Characteristics
XLF | IYG | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | iShares |
| Benchmark | S&P Financials Select Sector Index | Dow Jones U.S. Financial Services Index |
| N° of holdings | 76 | 99 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | December 16, 1998 | June 12, 2000 |
| ESG | No | No |
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Exposure
Countries
XLF
USA
96.37%
Other
3.63%
IYG
USA
99.72%
Other
0.28%
Sectors
XLF
Finance
95.38%
Other
4.62%
IYG
Finance
96.24%
Other
3.76%
Diversification
XLF
Total weight of top 15 holdings out of 15
65.62%
IYG
Total weight of top 15 holdings out of 15
72.6%
Top 15 holdings
Data as of August 31, 2026
XLF
JPMorgan Chase & Co.
11.70%
Berkshire Hathaway, Inc.
11.34%
Visa, Inc.
7.72%
Mastercard, Inc.
5.83%
Bank of America Corp.
4.96%
The Goldman Sachs Group, Inc.
3.69%
Wells Fargo & Co.
3.24%
Morgan Stanley
3.14%
Citigroup, Inc.
2.75%
The Charles Schwab Corp.
2.20%
American Express Co.
2.16%
BlackRock, Inc.
2.05%
Capital One Financial Corp.
1.64%
S&P Global, Inc.
1.62%
The Progressive Corp.
1.56%
IYG
JPMorgan Chase & Co.
12.99%
Berkshire Hathaway, Inc.
12.58%
Visa, Inc.
8.57%
Mastercard, Inc.
6.47%
Bank of America Corp.
5.51%
The Goldman Sachs Group, Inc.
4.12%
Wells Fargo & Co.
3.60%
Morgan Stanley
3.48%
Citigroup, Inc.
3.06%
The Charles Schwab Corp.
2.44%
American Express Co.
2.39%
BlackRock, Inc.
2.27%
Capital One Financial Corp.
1.82%
S&P Global, Inc.
1.80%
The Bank of New York Mellon Corp.
1.51%
Frequently asked questions about XLF and IYG
How have the XLF and IYG ETFs performed in 2026?
As of October 23, 2026, XLF is up 3.34% year-to-date (YTD), while IYG has returned 2.03%. That puts XLF better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or IYG?
Year-to-date, the XLF ETF saw -$2.38B in flows, compared to +$136M for IYG.
Which ETF is more volatile: XLF or IYG?
Over the past year, XLF had a volatility of 14.45%, while IYG experienced 15.56%.
Which ETF is bigger: XLF or IYG?
As of October 23, 2026, XLF holds $51.73 B in assets under management (AUM), while IYG manages $2.22 B.
What sectors do the XLF and IYG ETFs invest in?
XLF leans toward sectors like Finance. Meanwhile, IYG focuses on Finance.
What are the top holdings of the XLF ETF and IYG ETF?
XLF top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. IYG holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: XLF or IYG?
XLF holds 76 securities with 65.62% of its assets in the top 15. IYG has 99 securities and a top 15 weight of 72.6%.
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