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

In the year to Oct 28, 2026, with distributions reinvested, CGBL returned +7.1% and XLF +7.6%.

Which is cheaper, CGBL or XLF?

XLF is cheaper, by 0.25 percentage points a year. That is about $25 on $10,000 held for a year. 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.

Data as of Oct 28, 2026.

Across categories

CGBL vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, CGBL returned +7.1% to XLF's +7.6%; 7% of their weight is in the same names.

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Net assets on Oct 27, 2026: $7.9bn for Capital Group Core Balanced ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

CGBL on its own →XLF on its own →

At a glance

+7.1%

CGBL total return, 1 year

+7.6%

XLF total return, 1 year

0.33%

CGBL expense ratio

0.08%

XLF expense ratio

Pair scorecard

XLF costs 0.25 points a year less; their one-year returns differ by 0.5 points; XLF is 6.5 times larger.

CGBL vs XLF: Differences, Returns & Fees
Measure	CGBL	XLF
Return
Measure	CGBL	XLF
Total return, 1 year	+7.1%	+7.6%
Drawdown
Measure	CGBL	XLF
Below its high	3.4%, high on Aug 13, 2026	3.8%, high on Sep 3, 2026
Benchmark
Measure	CGBL	XLF
What it tracks	No index, actively managed	Financial Select Sector Index
Cost and size
Measure	CGBL	XLF
Expense ratio	0.33%	0.08%
Net assets, as of Oct 27, 2026	$7.9bn	$51.6bn
Holdings
Measure	CGBL	XLF
Holdings in common	7%
Top ten holdings, share of the fund	59.3%	57.4%

Holdings in common uses holdings dated Jun 30, 2026 and Oct 27, 2026. Method

What they share

By the books each fund has filed, CGBL and XLF hold 7% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Oct 27, 2026.

50%

0 half 100%

half

7% in common

Positions both hold · largest shared weight first CGBL XLF

Bank of America Corp 0.96% 4.18%

Visa Inc 0.92% 8.69%

Aon PLC 0.84% 0.81%

Arthur J Gallagher & Co 0.72% 0.84%

Capital One Financial Corp 0.62% 1.58%

Apollo Global Management Inc 0.60% 0.69%

Mastercard Inc 0.51% 6.26%

Wells Fargo & Co 0.43% 3.17%

JPMorgan Chase & Co 0.39% 11.33%

Ares Management Corp 0.47% 0.35%

Fiserv Inc 0.65% 0.32%

Brown & Brown Inc 0.35% 0.25%

Only in one fund ↓

Only in CGBL

Capital Group Core Plus Income ETF 23.27%

Capital Group Core Bond ETF 15.64%

Broadcom Inc 4.58%

Taiwan Semiconductor Manufacturing Co Ltd 3.49%

Alphabet Inc 2.79%

Micron Technology Inc 2.23%

Philip Morris International Inc 2.07%

Apple Inc 2.01%

Only in XLF

BERKSHIRE HATHAWAY INC CL B 12.84%

GOLDMAN SACHS GROUP INC 3.37%

MORGAN STANLEY 2.83%

CITIGROUP INC 2.61%

AMERICAN EXPRESS CO 2.09%

BLACKROCK INC 2.08%

SCHWAB (CHARLES) CORP 1.84%

S+P GLOBAL INC 1.72%

Check overlap with more funds →

Side by side

CGBL Capital Group Core Balanced ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Allocation ETF Stock ETF

Issuer Capital Group State Street

What it is Actively managed Tracks an index of Financials

Total return, 1 year +7.1% +7.6%

Its benchmark over the same days +7.5% (VOO and AGG) not measured

Gap to its benchmark −0.4 pts vs VOO and AGG not measured

Expense ratio 0.33% 0.08%

Already in the S&P 500 48.1% 99.8%

Holdings 77 77

Net assets, as of Oct 27, 2026 $7.9bn $51.6bn

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

Alert

About each fund

CGBL

Over the year to Oct 28, 2026 it returned +7.1% with distributions reinvested, against +7.5% for its benchmark, the 60%/40% S&P 500 Index/Bloomberg U.S. Aggregate Index.

CGBL is actively managed and tracks no index. 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 59.3%. It sat 3.4% below its high of Aug 13, 2026 on Oct 28, 2026.

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, CGBL or XLF?: In the year to Oct 28, 2026, with distributions reinvested, CGBL returned +7.1% and XLF +7.6%.
Which is cheaper, CGBL or XLF?: XLF is cheaper, by 0.25 percentage points a year. That is about $25 on $10,000 held for a year. 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.

Other comparisons

CGBL vs KRE CGBL vs XLE CGBL vs VNQ CGBL vs XLI AOR vs XLF PDBC vs XLF XLF vs XLRE XLB vs XLF

Where to next

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

Sources and dates

CGBL filings on SEC EDGAR ↗

CGBL prospectus with the expense ratio (SEC) ↗

Capital Group page for CGBL ↗

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

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