Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
IYR vs XLF: how they differ
IYR and XLF hold 0% of their weight in the same names, and XLF returned more over the year.
iShares U.S. Real Estate ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, IYR and XLF hold 0% of their money in the same securities at the same weight.
| Only in IYR | Only in XLF |
|---|---|
| WELLTOWER INC. 10.88% | Berkshire Hathaway Inc 12.10% |
| PROLOGIS, INC. 8.77% | JPMorgan Chase & Co 11.57% |
| SIMON PROPERTY GROUP, INC. 4.79% | Visa Inc 7.51% |
| EQUINIX, INC. 4.58% | Mastercard Inc 5.47% |
| DIGITAL REALTY TRUST, INC. 4.41% | Bank of America Corp 4.91% |
| REALTY INCOME CORPORATION 4.29% | Goldman Sachs Group Inc/The 3.94% |
| AMERICAN TOWER CORPORATION 3.88% | Wells Fargo & Co 3.34% |
| PUBLIC STORAGE. 3.74% | Morgan Stanley 3.31% |
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.
| IYR iShares U.S. Real Estate ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | iShares | State Street |
| What it is | U.S. Real Estate | Financials |
| Total return, 1 year | +4.7% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −12.8 pts | −9.9 pts |
| Expense ratio | 0.37% | 0.08% |
| Already in the S&P 500 | 80.4% | 100.0% |
| Holdings | 61 | 76 |
IYR in plain words
IYR is an index equity fund tracking the U.S. Real Estate. Over the year to Sep 11, 2026 it returned +4.7% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.37% a year. By its holdings filed for Jun 30, 2026, 80% of the fund by weight is stocks the S&P 500 also holds, across 61 positions, with the top ten at 51.5%. It sat 6.1% below its high of Jul 28, 2026 on Sep 11, 2026.
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, IYR or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, IYR returned +4.7% and XLF returned +7.6%, so XLF returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, IYR or XLF?
- IYR charges 0.37% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do IYR and XLF overlap with the S&P 500?
- By their latest filed holdings, 80% of IYR and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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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, IYR against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/IYR-XLF Free to use with attribution; the underlying files are at Open data.
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