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

In the year to Sep 13, 2026, with distributions reinvested, SGOV returned +3.8% and XLF returned +7.6%, so XLF returned more. One year is one year; the longer windows are in the table.

Which is cheaper, SGOV or XLF?

SGOV charges 0.09% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.

Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

SGOV vs XLF: how they differ

SGOV and XLF hold 0% of their weight in the same names, and XLF returned more over the year.

iShares 0-3 Month Treasury Bond ETF and State Street(R) Financial Select Sector SPDR(R) ETF.

What they hold in common

By the books each fund has filed, SGOV and XLF hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in SGOV	Only in XLF
TREASURY BILL 0.94%	JPMORGAN CHASE + CO 11.81%
BLK CSH FND TREASURY SL AGENCY 0.51%	BERKSHIRE HATHAWAY INC CL B 11.59%
	VISA INC CLASS A SHARES 7.60%
	MASTERCARD INC A 5.69%
	BANK OF AMERICA CORP 5.09%
	GOLDMAN SACHS GROUP INC 3.75%
	WELLS FARGO + CO 3.41%
	MORGAN STANLEY 3.18%

Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Sep 10, 2026.

SGOV and XLF on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	SGOV iShares 0-3 Month Treasury Bond ETF	XLF State Street(R) Financial Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	iShares	State Street
What it is	0-3 month T-bills	Financials
Total return, 1 year	+3.8%	+7.6%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−13.7 pts	−9.9 pts
Expense ratio	0.09%	0.08%
Holdings	23	79

SGOV in plain words

SGOV is a cash and treasury bills tracking the 0-3 month T-bills. Over the year to Sep 11, 2026 it returned +3.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.09% a year.

XLF in plain words

XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 79 positions, with the top ten at 57.3%.

Questions people ask

Which returned more over the last year, SGOV or XLF?: In the year to Sep 13, 2026, with distributions reinvested, SGOV returned +3.8% and XLF returned +7.6%, so XLF returned more. One year is one year; the longer windows are in the table.
Which is cheaper, SGOV or XLF?: SGOV charges 0.09% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.

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Where these figures came from

ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.

SGOV against XLF, ETFIQ, data as of Sep 13, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, SGOV against XLF, data as of Sep 13, 2026. https://etfiq.com/compare/any/sgov-vs-xlf Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources