XLFvsXLFIETF Comparison
VS
ETF 2
XLFI
State Street Financial Select Sector SPDR Premium Income Fund
This fund is part of
Options Strategies
-0.25%
State Street Financial Select Sector SPDR ETF (XLF) belongs to the US Financials segment. State Street Financial Select Sector SPDR Premium Income Fund (XLFI) is part of the Options Strategies segment. 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 0.35% for XLFI. XLF is up 5.07% year-to-date (YTD) with -$1.00B in YTD flows. XLFI performs worse with 4.76% YTD performance, and +$8M in YTD flows. Run a side-by-side ETF comparison of XLF and XLFI 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 XLFI performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/09/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF XLFI | -1.33%-0.21% | +9.08%+7.66% | +5.07%+4.76% | +8.62%+8.33% | +73.64%n/a | +64.38%n/a |
| Flows | XLF XLFI | -$4.02B+$2M | -$37M+$5M | -$1.00B+$8M | -$3.15B+$9M | +$345M- | -$3.26B- |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF XLFI | +12.97%+8.86% | +14.54%+11.53% | +16.11%n/a | +18.44%n/a |
| Max drawdown | XLF XLFI | -2.55%-1.89% | -14.79%-11.60% | -15.51%n/a | -25.84%n/a |
| Max drawdown duration | XLF XLFI | 6d6d | 177d185d | 116dn/a | 770dn/a |
Trading data
XLF | XLFI | |
Last sale 9/10/2026 at 1:30 PM | $56.87 | $24.11 |
| Previous close 09/09/2026 | $57.06 | $24.19 |
| Consolidated volume 09/09/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of August 31, 2026
1-year trailing difference
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XLFI
is actively managed and doesn’t replicate an indexXLF | XLFI | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 9/10/2026 at 1:30 PM
Live
Closed
XLF | XLFI | |
|---|---|---|
| Last price | $56.87 | $24.11 |
| 1D performance | -0.33% | -0.32% |
| AuM | $54.23 B | $10.14 M |
| E/R | 0.08% | 0.35% |
Characteristics
XLF | XLFI | |
|---|---|---|
| Management strategy | Passive | Active |
| Provider | State Street Investment Management | State Street Investment Management |
| Benchmark | S&P Financials Select Sector Index | - |
| N° of holdings | 76 | 76 |
| Asset class | Equities | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | December 16, 1998 | July 30, 2025 |
| ESG | No | No |
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Exposure
Countries
XLF
USA
96.29%
Other
3.71%
XLFI
USA
96.01%
Other
3.99%
Sectors
XLF
Finance
95.61%
Other
4.39%
XLFI
Finance
95.33%
Other
4.67%
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Diversification
XLF
Total weight of top 15 holdings out of 15
65.74%
XLFI
Total weight of top 15 holdings out of 15
65.55%
Top 15 holdings
Data as of July 31, 2026
XLF
JPMorgan Chase & Co.
11.72%
Berkshire Hathaway, Inc.
11.66%
Visa, Inc.
7.56%
Mastercard, Inc.
5.75%
Bank of America Corp.
5.03%
The Goldman Sachs Group, Inc.
3.74%
Wells Fargo & Co.
3.29%
Morgan Stanley
3.14%
Citigroup, Inc.
2.79%
American Express Co.
2.23%
The Charles Schwab Corp.
2.14%
BlackRock, Inc.
1.96%
Capital One Financial Corp.
1.62%
Chubb Ltd.
1.57%
S&P Global, Inc.
1.55%
XLFI
JPMorgan Chase & Co.
11.69%
Berkshire Hathaway, Inc.
11.63%
Visa, Inc.
7.53%
Mastercard, Inc.
5.73%
Bank of America Corp.
5.01%
The Goldman Sachs Group, Inc.
3.73%
Wells Fargo & Co.
3.28%
Morgan Stanley
3.13%
Citigroup, Inc.
2.79%
American Express Co.
2.22%
The Charles Schwab Corp.
2.13%
BlackRock, Inc.
1.95%
Capital One Financial Corp.
1.61%
Chubb Ltd.
1.57%
S&P Global, Inc.
1.55%
Frequently asked questions about XLF and XLFI
How have the XLF and XLFI ETFs performed in 2026?
As of September 9, 2026, XLF is up 5.07% year-to-date (YTD), while XLFI has returned 4.76%. That puts XLF better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or XLFI?
Year-to-date, the XLF ETF saw -$1.00B in flows, compared to +$8M for XLFI.
Which ETF is more volatile: XLF or XLFI?
Over the past year, XLF had a volatility of 14.54%, while XLFI experienced 11.53%.
Which ETF is bigger: XLF or XLFI?
As of September 9, 2026, XLF holds $54.23 B in assets under management (AUM), while XLFI manages $10.14 M.
What sectors do the XLF and XLFI ETFs invest in?
XLF leans toward sectors like Finance. Meanwhile, XLFI focuses on Finance.
What are the top holdings of the XLF ETF and XLFI ETF?
XLF top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. XLFI holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: XLF or XLFI?
XLF holds 76 securities with 65.74% of its assets in the top 15. XLFI has 76 securities and a top 15 weight of 65.55%.
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Latest news about XLF & XLFI
The Weekly ETF Market Monitor (August 24-28, 2026)
August 31, 2026
XLF
The Weekly ETF Market Monitor (August 17-21, 2026)
August 24, 2026
XLF
Investing in Sector ETFs: Financials and Real Estate
September 11, 2024
XLF
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May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
May 22, 2024
XLF
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