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

In the year to Oct 28, 2026, with distributions reinvested, SIVR returned +15.0% and XLF +7.6%.

Which is cheaper, SIVR or XLF?

XLF is cheaper, by 0.22 percentage points a year. That is about $22 on $10,000 held for a year. Fees come from each fund's own filings.

Data as of Oct 28, 2026.

Across categories

SIVR vs XLF: Differences, Returns & Fees

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SIVR is a commodity fund and XLF an equity index fund, and over the year to Oct 28, 2026, SIVR returned +15.0% against +7.6%.

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Net assets: $3.7bn on Oct 28, 2026 for abrdn Physical Silver Shares ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.

SIVR on its own →XLF on its own →

At a glance

+15.0%

SIVR total return, 1 year

+7.6%

XLF total return, 1 year

0.30%

SIVR expense ratio

0.08%

XLF expense ratio

Pair scorecard

XLF costs 0.22 points a year less; their one-year returns differ by 7.4 points.

SIVR vs XLF: Differences, Returns & Fees
Measure	SIVR	XLF
Return
Measure	SIVR	XLF
Total return, 1 year	+15.0%	+7.6%
Drawdown
Measure	SIVR	XLF
Below its high	53.5%, high on Jan 28, 2026	3.8%, high on Sep 3, 2026
Benchmark
Measure	SIVR	XLF
What it tracks	Silver	Financial Select Sector Index
Cost and size
Measure	SIVR	XLF
Expense ratio	0.30%	0.08%
Net assets, SIVR as of Oct 28, 2026 and XLF as of Oct 27, 2026	$3.7bn	$51.6bn
Holdings
Measure	SIVR	XLF
Holdings in common	not published
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		57.4%

Method

Side by side

SIVR abrdn Physical Silver Shares ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Commodity ETF Stock ETF

Issuer abrdn State Street

What it is Holds silver Tracks an index of Financials

Total return, 1 year +15.0% +7.6%

Its benchmark over the same days +14.9% (SLV) not measured

Gap to its benchmark +0.1 pts vs SLV not measured

Expense ratio 0.30% 0.08%

Holdings not counted 77

Net assets, SIVR as of Oct 28, 2026 and XLF as of Oct 27, 2026 $3.7bn $51.6bn

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

Alert

About each fund

SIVR

Its expense ratio is 0.30% a year, for the three months to Jun 30, 2026, as its 10-Q states.

SIVR holds silver. Over the year to Oct 28, 2026 it returned +15.0% with distributions reinvested, against +14.9% for its benchmark, the price of silver. It sat 53.5% below its high of Jan 28, 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, SIVR or XLF?: In the year to Oct 28, 2026, with distributions reinvested, SIVR returned +15.0% and XLF +7.6%.
Which is cheaper, SIVR or XLF?: XLF is cheaper, by 0.22 percentage points a year. That is about $22 on $10,000 held for a year. Fees come from each fund's own filings.

Other comparisons

KRE vs SIVR SIVR vs VGT SIVR vs XLB SIVR vs XHB BWET vs XLF USO vs XLF SLV vs XLF GLDM vs XLF

Where to next

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

Sources and dates

abrdn website ↗

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.

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

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