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

In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and XLU −3.0%.

Which is cheaper, BINC or XLU?

XLU 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 XLU overlap with the S&P 500?

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

Data as of Oct 28, 2026.

Across categories

BINC vs XLU: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BINC returned +0.5% to XLU's −3.0%; 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 $23.9bn for State Street Utilities Select Sector SPDR ETF.

BINC on its own →XLU on its own →

At a glance

+0.5%

BINC total return, 1 year

−3.0%

XLU total return, 1 year

0.40%

BINC expense ratio

0.08%

XLU expense ratio

Pair scorecard

XLU costs 0.32 points a year less; their one-year returns differ by 3.5 points; XLU is 1.4 times larger.

BINC vs XLU: Differences, Returns & Fees
Measure	BINC	XLU
Return
Measure	BINC	XLU
Total return, 1 year	+0.5%	−3.0%
Drawdown
Measure	BINC	XLU
Below its high		9.1%, high on Feb 27, 2026
Benchmark
Measure	BINC	XLU
What it tracks	No index, actively managed	Utilities Select Sector Index
Cost and size
Measure	BINC	XLU
Expense ratio	0.40%	0.08%
Net assets, as of Oct 27, 2026	$16.8bn	$23.9bn
Holdings
Measure	BINC	XLU
Holdings in common	0%
Top ten holdings, share of the fund	24.6%	58.7%

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

What they share

By the books each fund has filed, BINC and XLU 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 XLU

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 XLU

NEXTERA ENERGY INC 12.76%

SOUTHERN CO 7.91%

DUKE ENERGY CORP 7.22%

CONSTELLATION ENERGY 6.33%

AMERICAN ELECTRIC POWER 5.26%

DOMINION ENERGY INC 4.26%

SEMPRA 4.12%

ENTERGY CORP 3.75%

Check overlap with more funds →

Side by side

BINC iShares Flexible Income Active ETF XLU State Street Utilities Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Actively managed Tracks an index of Utilities

Total return, 1 year +0.5% −3.0%

Expense ratio 0.40% 0.08%

Already in the S&P 500 0.0% 99.7%

Holdings 4690 32

Net assets, as of Oct 27, 2026 $16.8bn $23.9bn

BINC and XLU 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%.

XLU

XLU tracks an index of Utilities. Over the year to Oct 28, 2026 it returned −3.0% 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 32 positions, with the top ten at 58.7%. It sat 9.1% below its high of Feb 27, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BINC or XLU?: In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and XLU −3.0%.
Which is cheaper, BINC or XLU?: XLU 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 XLU overlap with the S&P 500?: By their latest filed holdings, 0% of BINC and 100% of XLU by weight is stocks the S&P 500 already holds.

Other comparisons

BINC vs VPU BINC vs XLY BINC vs XLC BINC vs VHT IEI vs XLU SCHP vs XLU HYG vs XLU TIP vs XLU

Where to next

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

Sources and dates

BINC filings on SEC EDGAR ↗

BINC prospectus with the expense ratio (SEC) ↗

iShares page for BINC ↗

XLU filings on SEC EDGAR ↗

XLU 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 XLU, data as of Oct 28, 2026. https://etfiq.com/compare/any/binc-vs-xlu

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