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

In the year to Oct 28, 2026, with distributions reinvested, JNK returned +1.7% and XLF +7.6%.

Which is cheaper, JNK 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.

Data as of Oct 28, 2026.

Across categories

JNK vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, JNK returned +1.7% to XLF's +7.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $5.9bn for State Street SPDR Bloomberg High Yield Bond ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

JNK on its own →XLF on its own →

At a glance

+1.7%

JNK total return, 1 year

+7.6%

XLF total return, 1 year

0.40%

JNK expense ratio

0.08%

XLF expense ratio

Pair scorecard

XLF costs 0.32 points a year less; their one-year returns differ by 5.9 points; XLF is 8.7 times larger.

JNK vs XLF: Differences, Returns & Fees
Measure	JNK	XLF
Return
Measure	JNK	XLF
Total return, 1 year	+1.7%	+7.6%
Drawdown
Measure	JNK	XLF
Below its high		3.8%, high on Sep 3, 2026
Benchmark
Measure	JNK	XLF
What it tracks	Bloomberg High Yield Very Liquid Index	Financial Select Sector Index
Cost and size
Measure	JNK	XLF
Expense ratio	0.40%	0.08%
Net assets, as of Oct 27, 2026	$5.9bn	$51.6bn
Holdings
Measure	JNK	XLF
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		57.4%

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

What they share

By the books each fund has filed, JNK 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 JNK XLF

Only in one fund ↓

Only in JNK

1261229 BC LTD SR SECURED 144A 04/32 10 0.65%

MERIDIAN ARC HOLDCO LLC SR SECURED 144A 04/31 6.25 0.53%

QUIKRETE HOLDINGS INC SR SECURED 144A 03/32 6.375 0.46%

ECHOSTAR CORP SR SECURED 11/29 10.75 0.45%

SOFTBANK GROUP CORP SR UNSECURED 144A 04/32 9.25 0.44%

SOFTBANK GROUP CORP SR UNSECURED 144A 04/34 9.75 0.43%

PR RNO PROPERTY OWNER 1 SR SECURED 144A 05/31 6.5 0.42%

VENTURE GLOBAL LNG INC SR SECURED 144A 02/29 9.5 0.42%

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

JNK State Street SPDR Bloomberg High Yield Bond ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer State Street State Street

What it is Tracks the Bloomberg High Yield Bond Tracks an index of Financials

Total return, 1 year +1.7% +7.6%

Its benchmark over the same days −1.4% (AGG) not measured

Gap to its benchmark +3.1 pts vs AGG not measured

Expense ratio 0.40% 0.08%

Holdings 1142 77

Net assets, as of Oct 27, 2026 $5.9bn $51.6bn

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

Alert

About each fund

JNK

JNK tracks the Bloomberg High Yield Bond. Over the year to Oct 28, 2026 it returned +1.7% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.40% a year.

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, JNK or XLF?: In the year to Oct 28, 2026, with distributions reinvested, JNK returned +1.7% and XLF +7.6%.
Which is cheaper, JNK 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.

Other comparisons

JNK vs KRE JNK vs XLE JNK vs VNQ JNK vs SCHH USHY vs XLF HYG vs XLF VCLT vs XLF VUSB vs XLF

Where to next

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

Sources and dates

JNK filings on SEC EDGAR ↗

JNK prospectus with the expense ratio (SEC) ↗

State Street website ↗

XLF filings on SEC EDGAR ↗

XLF prospectus with the expense ratio (SEC) ↗

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.

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

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