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

In the year to Oct 28, 2026, with distributions reinvested, SIVR returned +15.0% and XLU −3.0%.

Which is cheaper, SIVR or XLU?

XLU 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 XLU: Differences, Returns & Fees

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SIVR is a commodity fund and XLU an equity index fund, and over the year to Oct 28, 2026, SIVR returned +15.0% against −3.0%.

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Net assets: $3.7bn on Oct 28, 2026 for abrdn Physical Silver Shares ETF, and $23.9bn on Oct 27, 2026 for State Street Utilities Select Sector SPDR ETF.

SIVR on its own →XLU on its own →

At a glance

+15.0%

SIVR total return, 1 year

−3.0%

XLU total return, 1 year

0.30%

SIVR expense ratio

0.08%

XLU expense ratio

Pair scorecard

XLU costs 0.22 points a year less; their one-year returns differ by 18.0 points.

SIVR vs XLU: Differences, Returns & Fees
Measure	SIVR	XLU
Return
Measure	SIVR	XLU
Total return, 1 year	+15.0%	−3.0%
Drawdown
Measure	SIVR	XLU
Below its high	53.5%, high on Jan 28, 2026	9.1%, high on Feb 27, 2026
Benchmark
Measure	SIVR	XLU
What it tracks	Silver	Utilities Select Sector Index
Cost and size
Measure	SIVR	XLU
Expense ratio	0.30%	0.08%
Net assets, SIVR as of Oct 28, 2026 and XLU as of Oct 27, 2026	$3.7bn	$23.9bn
Holdings
Measure	SIVR	XLU
Holdings in common	not published
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		58.7%

Method

Side by side

SIVR abrdn Physical Silver Shares ETF XLU State Street Utilities Select Sector SPDR ETF

Where it sits Commodity ETF Stock ETF

Issuer abrdn State Street

What it is Holds silver Tracks an index of Utilities

Total return, 1 year +15.0% −3.0%

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 32

Net assets, SIVR as of Oct 28, 2026 and XLU as of Oct 27, 2026 $3.7bn $23.9bn

SIVR and XLU 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.

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, SIVR or XLU?: In the year to Oct 28, 2026, with distributions reinvested, SIVR returned +15.0% and XLU −3.0%.
Which is cheaper, SIVR or XLU?: XLU 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

SIVR vs VPU SIVR vs XLI SIVR vs XLP SIVR vs XLE USO vs XLU SLV vs XLU BWET vs XLU GLD vs XLU

Where to next

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

Sources and dates

abrdn website ↗

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.

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

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