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

In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and XLF +7.6%.

Which is cheaper, BINC or XLF?

XLF is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.

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

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

Data as of Oct 28, 2026.

Across categories

BINC vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BINC returned +0.5% to XLF's +7.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $16.8bn for iShares Flexible Income Active ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

BINC on its own →XLF on its own →

At a glance

+0.5%

BINC total return, 1 year

+7.6%

XLF total return, 1 year

0.40%

BINC expense ratio

0.08%

XLF expense ratio

Pair scorecard

XLF costs 0.32 points a year less; their one-year returns differ by 7.1 points; XLF is 3.1 times larger.

BINC vs XLF: Differences, Returns & Fees
Measure	BINC	XLF
Return
Measure	BINC	XLF
Total return, 1 year	+0.5%	+7.6%
Drawdown
Measure	BINC	XLF
Below its high		3.8%, high on Sep 3, 2026
Benchmark
Measure	BINC	XLF
What it tracks	No index, actively managed	Financial Select Sector Index
Cost and size
Measure	BINC	XLF
Expense ratio	0.40%	0.08%
Net assets, as of Oct 27, 2026	$16.8bn	$51.6bn
Holdings
Measure	BINC	XLF
Holdings in common	0%
Top ten holdings, share of the fund	24.6%	57.4%

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

What they share

By the books each fund has filed, BINC 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 BINC XLF

SWP: OIS 4.077000 12-DEC-2055 SOF 0.17% 1.34%

ICE: (CDX.NA.HY.45.V4) 0.05% 1.11%

Only in one fund ↓

Only in BINC

BLACKROCK CASH CL INST SL AGENCY 5.80%

UMBS 30YR TBA(REG A) 4.50%

TREASURY NOTE (2OLD) 4.34%

UMBS 30YR TBA(REG A) 2.91%

UMBS 30YR TBA(REG A) 2.21%

CASH COLLATERAL MORGAN STANLEY & C 1.68%

ISHARES IBOXX $ INV GRADE CORPORAT 0.99%

EUR/USD 0.83%

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

BINC iShares Flexible Income Active ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Actively managed Tracks an index of Financials

Total return, 1 year +0.5% +7.6%

Expense ratio 0.40% 0.08%

Already in the S&P 500 0.0% 99.8%

Holdings 4690 77

Net assets, as of Oct 27, 2026 $16.8bn $51.6bn

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

Alert

About each fund

BINC

BINC is actively managed and tracks no index. Over the year to Oct 28, 2026 it returned +0.5% with distributions reinvested. The prospectus expense ratio is 0.40% 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 4,690 positions, with the top ten at 24.6%.

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, BINC or XLF?: In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and XLF +7.6%.
Which is cheaper, BINC or XLF?: XLF is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do BINC and XLF overlap with the S&P 500?: By their latest filed holdings, 0% of BINC and 100% of XLF by weight is stocks the S&P 500 already holds.

Other comparisons

BINC vs KRE BINC vs XLE BINC vs VNQ BINC vs XLI IEI vs XLF SCHP vs XLF HYG vs XLF TIP vs XLF

Where to next

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

Sources and dates

BINC filings on SEC EDGAR ↗

BINC prospectus with the expense ratio (SEC) ↗

iShares page for BINC ↗

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

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