XLFIvsFNCLETF Comparison
ETF 1
XLFI
State Street Financial Select Sector SPDR Premium Income Fund
This fund is part of
Options Strategies
-0.19%
VS
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: Finance, Technology and Business Services. XLFI is more expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.084% for FNCL. XLFI is up 2.83% year-to-date (YTD) with +$8M in YTD flows. FNCL performs better with 3.22% YTD performance, and -$118M 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
Cumulative Flows
Historic performance and flows
Data as of 09/16/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLFI FNCL | -2.27%-3.33% | +3.80%+3.06% | +2.83%+3.22% | +5.85%+6.01% | n/a+70.95% | n/a+62.21% |
| Flows | XLFI FNCL | +$2M+$19M | +$4M+$12M | +$8M-$118M | +$9M-$97M | -+$96M | --$126M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLFI FNCL | +9.47%+13.27% | +11.63%+14.97% | n/a+16.89% | n/a+19.13% |
| Max drawdown | XLFI FNCL | -3.70%-4.63% | -11.60%-14.71% | n/a-17.30% | n/a-25.71% |
| Max drawdown duration | XLFI FNCL | 13d13d | 185d177d | n/a129d | n/a770d |
Trading data
XLFI | FNCL | |
Last sale 9/16/2026 at 1:30 PM | $23.73 | $79.46 |
| Previous close 09/16/2026 | $24.10 | $80.78 |
| Consolidated volume 09/16/2026 | ||
| 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 indexXLFI | 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 9/16/2026 at 1:30 PM
Live
Closed
XLFI | FNCL | |
|---|---|---|
| Last price | $23.73 | $79.46 |
| 1D performance | -1.55% | -1.63% |
| AuM | $9.72 M | $2.35 B |
| E/R | 0.35% | 0.084% |
Characteristics
XLFI | FNCL | |
|---|---|---|
| Management strategy | Active | Passive |
| Provider | State Street Investment Management | Fidelity |
| Benchmark | - | MSCI USA IMI Financials 25/50 Index |
| N° of holdings | 76 | 383 |
| Asset class | - | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | July 30, 2025 | October 21, 2013 |
| ESG | No | No |
Exposure
Countries
XLFI
USA
96.01%
Other
3.99%
FNCL
USA
95.96%
Other
4.04%
Sectors
XLFI
Finance
95.33%
Other
4.67%
FNCL
Finance
95.7%
Other
4.3%
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Diversification
XLFI
Total weight of top 15 holdings out of 15
65.55%
FNCL
Total weight of top 15 holdings out of 15
55.95%
Top 15 holdings
Data as of July 31, 2026
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%
FNCL
JPMorgan Chase & Co.
10.47%
Berkshire Hathaway, Inc.
7.79%
Visa, Inc.
6.73%
Mastercard, Inc.
5.03%
Bank of America Corp.
4.64%
The Goldman Sachs Group, Inc.
3.33%
Wells Fargo & Co.
2.91%
Morgan Stanley
2.74%
Citigroup, Inc.
2.47%
American Express Co.
1.95%
The Charles Schwab Corp.
1.91%
BlackRock, Inc.
1.77%
S&P Global, Inc.
1.41%
The Progressive Corp.
1.40%
Chubb Ltd.
1.39%
Frequently asked questions about XLFI and FNCL
How have the XLFI and FNCL ETFs performed in 2026?
As of September 16, 2026, XLFI is up 2.83% year-to-date (YTD), while FNCL has returned 3.22%. That puts FNCL better performer ahead so far this year.
Which ETF is attracting more investor money: XLFI or FNCL?
Year-to-date, the XLFI ETF saw +$8M in flows, compared to -$118M for FNCL.
Which ETF is more volatile: XLFI or FNCL?
Over the past year, XLFI had a volatility of 11.63%, while FNCL experienced 14.97%.
Which ETF is bigger: XLFI or FNCL?
As of September 16, 2026, XLFI holds $9.72 M in assets under management (AUM), while FNCL manages $2.35 B.
What sectors do the XLFI and FNCL ETFs invest in?
XLFI leans toward sectors like Finance. Meanwhile, FNCL focuses on Finance.
What are the top holdings of the XLFI ETF and FNCL ETF?
XLFI top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. FNCL holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: XLFI or FNCL?
XLFI holds 76 securities with 65.55% of its assets in the top 15. FNCL has 383 securities and a top 15 weight of 55.95%.
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