Which returned more over the last year, AOR or XLF?

In the year to Oct 28, 2026, with distributions reinvested, AOR returned +7.8% and XLF +7.6%.

Which is cheaper, AOR or XLF?

XLF is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do AOR and XLF overlap with the S&P 500?

By their latest filed holdings, 0% of AOR and 100% of XLF by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

AOR vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, AOR returned +7.8% to XLF's +7.6%; 0% of their weight is in the same names.

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Net assets: $3.9bn on Oct 28, 2026 for iShares Core 60/40 Balanced Allocation ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.

AOR on its own →XLF on its own →

At a glance

+7.8%

AOR total return, 1 year

+7.6%

XLF total return, 1 year

0.15%

AOR expense ratio

0.08%

XLF expense ratio

Pair scorecard

XLF costs 0.07 points a year less; their one-year returns differ by 0.2 points; XLF is 13.2 times larger.

AOR vs XLF: Differences, Returns & Fees
Measure	AOR	XLF
Return
Measure	AOR	XLF
Total return, 1 year	+7.8%	+7.6%
Drawdown
Measure	AOR	XLF
Below its high		3.8%, high on Sep 3, 2026
Benchmark
Measure	AOR	XLF
What it tracks	60/40 Balanced Allocation	Financial Select Sector Index
Cost and size
Measure	AOR	XLF
Expense ratio	0.15%	0.08%
Net assets, as of Oct 27, 2026	$3.9bn	$51.6bn
Holdings
Measure	AOR	XLF
Holdings in common	0%
Top ten holdings, share of the fund	99.9%	57.4%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, AOR and XLF hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first AOR XLF

Only in one fund ↓

Only in AOR

ISHARES CORE S&P ETF TRUST 35.70%

ISHARES CORE UNIV USD BOND ETF 32.15%

ISHARES CORE MSCI INT DEVEL ETF 17.10%

ISHARES CORE MSCI EMERGING MARKETS 6.34%

iShares Core Intl Aggregate Bnd ET 5.81%

ISHARES CORE S&P MID-CAP ETF 1.89%

ISHARES CORE S&P SMALL-CAP ETF 0.92%

Only in XLF

BERKSHIRE HATHAWAY INC CL B 12.84%

JPMORGAN CHASE + CO 11.33%

VISA INC CLASS A SHARES 8.69%

MASTERCARD INC A 6.26%

BANK OF AMERICA CORP 4.18%

GOLDMAN SACHS GROUP INC 3.37%

WELLS FARGO + CO 3.17%

MORGAN STANLEY 2.83%

Check overlap with more funds →

Side by side

AOR iShares Core 60/40 Balanced Allocation ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Allocation ETF Stock ETF

Issuer iShares State Street

What it is Tracks an index of 60/40 Balanced Allocation Tracks an index of Financials

Total return, 1 year +7.8% +7.6%

Its benchmark over the same days +13.4% (ACWI) not measured

Gap to its benchmark −5.6 pts vs ACWI not measured

Expense ratio 0.15% 0.08%

Already in the S&P 500 0.0% 99.8%

Holdings 7 77

Net assets, AOR as of Oct 28, 2026 and XLF as of Oct 27, 2026 $3.9bn $51.6bn

AOR and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

AOR

AOR tracks an index of 60/40 Balanced Allocation. Over the year to Oct 28, 2026 it returned +7.8% with distributions reinvested, against +13.4% for its benchmark, the MSCI All Country World Index. The prospectus expense ratio is 0.15% a year. By its holdings published by its issuer for Oct 27, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 7 positions, with the top ten at 99.9%.

XLF

XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, AOR or XLF?: In the year to Oct 28, 2026, with distributions reinvested, AOR returned +7.8% and XLF +7.6%.
Which is cheaper, AOR or XLF?: XLF is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do AOR and XLF overlap with the S&P 500?: By their latest filed holdings, 0% of AOR and 100% of XLF by weight is stocks the S&P 500 already holds.

Other comparisons

AOR vs KRE AOR vs XLE AOR vs VNQ AOR vs XLI CGBL vs XLF IYR vs XLF HYMB vs XLF IYF vs XLF

Where to next

AOR on its own →XLF on its own →Hold both: look the portfolio through →Rankings →AOR dividend history →AOR holdings →XLF dividend history →XLF holdings →Standards and sources →

Sources and dates

AOR filings on SEC EDGAR ↗

AOR prospectus with the expense ratio (SEC) ↗

iShares page for AOR ↗

XLF filings on SEC EDGAR ↗

XLF prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, AOR against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/aor-vs-xlf

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.