Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
CGBL vs XLF: how they differ
CGBL and XLF hold 7% of their weight in the same names, and CGBL returned more over the year.
Capital Group Core Balanced ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, CGBL and XLF hold 7% of their money in the same securities at the same weight.
| Holding | CGBL | XLF |
|---|---|---|
| Bank of America Corp | 0.96% | 4.91% |
| Visa Inc | 0.92% | 7.51% |
| Aon PLC | 0.84% | 0.94% |
| Arthur J Gallagher & Co | 0.72% | 0.78% |
| Capital One Financial Corp | 0.62% | 1.65% |
| Apollo Global Management Inc | 0.60% | 0.72% |
| Mastercard Inc | 0.51% | 5.47% |
| Wells Fargo & Co | 0.42% | 3.34% |
| JPMorgan Chase & Co | 0.39% | 11.57% |
| Fiserv Inc | 0.64% | 0.34% |
| Ares Management Corp | 0.47% | 0.31% |
| Brown & Brown Inc | 0.35% | 0.25% |
| Only in CGBL | Only in XLF |
|---|---|
| Capital Group Core Plus Income ETF 23.22% | Berkshire Hathaway Inc 12.10% |
| Capital Group Core Bond ETF 15.60% | Goldman Sachs Group Inc/The 3.94% |
| Broadcom Inc 4.57% | Morgan Stanley 3.31% |
| Taiwan Semiconductor Manufacturing Co Lt 3.48% | Citigroup Inc 3.15% |
| Alphabet Inc 2.78% | American Express Co 2.38% |
| Micron Technology Inc 2.23% | Charles Schwab Corp/The 1.99% |
| Philip Morris International Inc 2.07% | Blackrock Inc 1.83% |
| Apple Inc 2.00% | Progressive Corp/The 1.68% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.
| CGBL Capital Group Core Balanced ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Capital | State Street |
| What it is | Core Balanced | Financials |
| Total return, 1 year | +9.9% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −7.6 pts | −9.9 pts |
| Expense ratio | 0.33% | 0.08% |
| Already in the S&P 500 | 48.1% | 100.0% |
| Holdings | 77 | 76 |
CGBL in plain words
CGBL is an index equity fund tracking the Core Balanced. Over the year to Sep 11, 2026 it returned +9.9% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.33% a year. By its holdings filed for Jun 30, 2026, 48% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 59.2%.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, CGBL or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, CGBL returned +9.9% and XLF returned +7.6%, so CGBL returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, CGBL or XLF?
- CGBL charges 0.33% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do CGBL and XLF overlap with the S&P 500?
- By their latest filed holdings, 48% of CGBL and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 7% of their books are the same securities at the same weight.
Other comparisons
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, CGBL against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/CGBL-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources