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XLFIvsFNCLETF Comparison

ETF 1
XLFI

State Street Financial Select Sector SPDR Premium Income Fund

This fund is part of
Options Strategies
-0.16%
VS
ETF 2
FNCL

Fidelity MSCI Financials Index ETF

This fund is part of
US Financials
+0.15%

State Street Financial Select Sector SPDR Premium Income Fund (XLFI) belongs to the Options Strategies segment. Fidelity MSCI Financials Index ETF (FNCL) is part of the US Financials segment. Both ETFs have the same top 3 sector exposures: Financials and Information Technology. XLFI is more expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.08% for FNCL. XLFI is down -4.07% year-to-date (YTD) with +$2M in YTD flows. FNCL performs worse with -4.14% YTD performance, and -$108M in YTD flows. Run a side-by-side ETF comparison of XLFI and FNCL 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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XLFI vs FNCL performance and flow charts

Performance

0246810%Mar 27Apr 6Apr 13Apr 20Apr 27

Cumulative Flows

-100 M-80 M-60 M-40 M-20 M0 MMar 27Apr 6Apr 13Apr 20Apr 27

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Historic performance and flows
Data as of 04/28/2026
1M3MYTD1Y3Y5Y
Perf.
XLFI
FNCL
+5.56%+8.97%
-1.76%-1.71%
-4.07%-4.14%
n/a+11.95%
n/a+71.44%
n/a+58.34%
Flows
XLFI
FNCL
+$462K-$96M
+$2M-$135M
+$2M-$108M
--$91M
-+$55M
--$14M
Volatility and drawdown
3M1Y3Y5Y
Volatility
XLFI
FNCL
+14.81%+17.97%
n/a+15.21%
n/a+17.06%
n/a+19.40%
Max drawdown
XLFI
FNCL
-9.78%-11.77%
n/a-14.71%
n/a-17.30%
n/a-25.71%
Max drawdown duration
XLFI
FNCL
79d78d
n/a111d
n/a129d
n/a770d
Trading data

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XLFI
FNCL
Last sale
4/29/2026 at 4:48 PM
$22.94
$73.97
Previous close
04/28/2026
$23.02
$74.14
Consolidated volume
04/28/2026
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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XLFI
is actively managed and doesn’t replicate an index

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XLFI
FNCL
Tracking error
Tracking difference
1 year cumulative return difference
Best
Worst
Daily return difference
Average
Worst
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Main metrics
Last update 4/29/2026 at 4:48 PM
Live
Closed
XLFI
FNCL
Last price
$22.94
$73.97
1D performance
-0.35%
-0.23%
AuM$4.13 M$2.20 B
E/R0.35%0.08%
Characteristics
XLFI
FNCL
Management strategyActivePassive
ProviderState Street Investment ManagementFidelity
Benchmark-MSCI USA IMI Financials 25/50 Index
N° of holdings75345
Asset class--
Trailing 12m distribution yield
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Inception dateJuly 30, 2025October 21, 2013
ESGNoNo
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Exposure

Countries

XLFI
USA
95.47%
Other
4.53%
FNCL
USA
95.48%
Other
4.52%

Sectors

XLFI
Financials
81.97%
Information Techn.
15.11%
Other
2.91%
FNCL
Financials
82.05%
Information Techn.
14.45%
Other
3.49%

Diversification

XLFI

Total weight of top 15 holdings out of 15

65.31%
FNCL

Total weight of top 15 holdings out of 15

56.08%

Top 15 holdings

Data as of March 31, 2026
XLFI
BERKSHIRE HATHWAY
12.40%
JPMORGAN CHASE
11.19%
VISA INCORPORATION
7.17%
MASTERCARD
5.74%
BK OF AMERICA CO
4.56%
THE GOLDMAN SACHS GROUP
3.58%
WELLS FARGO
3.47%
CITIGROUP
2.80%
MORGAN STANLEY
2.79%
AMERICAN EXPRESS
2.29%
CHARLES SCHWAB
2.21%
US09290D1019
1.96%
S&P GLOBAL INC
1.84%
CHUBB LTD
1.67%
PROGRESSIVE
1.64%
FNCL
JPMORGAN CHASE
10.02%
BERKSHIRE HATHWAY
8.25%
VISA INCORPORATION
6.51%
MASTERCARD
5.35%
BK OF AMERICA CO
4.17%
WELLS FARGO
3.13%
THE GOLDMAN SACHS GROUP
3.12%
CITIGROUP
2.54%
MORGAN STANLEY
2.45%
AMERICAN EXPRESS
2.08%
CHARLES SCHWAB
2.01%
US09290D1019
1.80%
S&P GLOBAL INC
1.61%
CHUBB LTD
1.53%
PROGRESSIVE
1.50%
Frequently asked questions about XLFI and FNCL

How have the XLFI and FNCL ETFs performed in 2026?

As of April 28, 2026, XLFI is down -4.07% year-to-date (YTD), while FNCL has lost -4.14%. That puts XLFI better performer ahead so far this year.

Which ETF is attracting more investor money: XLFI or FNCL?

Year-to-date, the XLFI ETF saw +$2M in flows, compared to -$108M for FNCL.

Which ETF is bigger: XLFI or FNCL?

As of April 28, 2026, XLFI holds $4.13 M in assets under management (AUM), while FNCL manages $2.20 B.

What sectors do the XLFI and FNCL ETFs invest in?

XLFI leans toward sectors like Financials and Information Technology. Meanwhile, FNCL focuses on Financials and Information Technology.

What are the top holdings of the XLFI ETF and FNCL ETF?

XLFI top holdings include BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION. FNCL holds in its top three: JPMORGAN CHASE, BERKSHIRE HATHWAY and VISA INCORPORATION.

Which ETF is more diversified: XLFI or FNCL?

XLFI holds 76 securities with 65.31% of its assets in the top 15. FNCL has 383 securities and a top 15 weight of 56.08%.

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