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Data as of Oct 28, 2026.

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SPSB vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SPSB returned +2.2% to XLF's +7.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $11.3bn for State Street SPDR Portfolio Short Term Corporate Bond ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

SPSB on its own →XLF on its own →
At a glance
+2.2%
SPSB total return, 1 year
+7.6%
XLF total return, 1 year
0.04%
SPSB expense ratio
0.08%
XLF expense ratio

Pair scorecard

SPSB costs 0.04 points a year less; their one-year returns differ by 5.4 points; XLF is 4.6 times larger.

SPSB vs XLF: Differences, Returns & Fees
MeasureSPSBXLF
Return
Total return, 1 year+2.2%+7.6%
Drawdown
Below its high3.8%, high on Sep 3, 2026
Benchmark
What it tracksBloomberg U.S. 1-3 Year Corporate Bond IndexFinancial Select Sector Index
Cost and size
Expense ratio0.04%0.08%
Net assets, as of Oct 27, 2026$11.3bn$51.6bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund57.4%

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

What they share

0%

By the books each fund has filed, SPSB and XLF hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first SPSB XLF
Only in one fund ↓
Only in SPSB
SALESFORCE INC SR UNSECURED 03/29 4.65 0.66%
AERCAP IRELAND CAP/GLOBA COMPANY GUAR 10/28 3 0.47%
PFIZER INVESTMENT ENTER COMPANY GUAR 05/28 4.45 0.45%
AMAZON.COM INC SR UNSECURED 03/29 4 0.45%
BANK OF AMERICA CORP SR UNSECURED 12/28 VAR 0.45%
NVIDIA CORP SR UNSECURED 06/29 4.35 0.43%
GOLDMAN SACHS GROUP INC SR UNSECURED 05/29 VAR 0.38%
ORACLE CORP SR UNSECURED 02/29 4.55 0.37%
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

SPSB State Street SPDR Portfolio Short Term Corporate 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 an index of Short Term Corporate Bond Tracks an index of Financials
Total return, 1 year +2.2% +7.6%
Its benchmark over the same days −1.4% (AGG) not measured
Gap to its benchmark +3.6 pts vs AGG not measured
Expense ratio 0.04% 0.08%
Holdings 1684 77
Net assets, as of Oct 27, 2026 $11.3bn $51.6bn

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

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About each fund
SPSB

SPSB tracks an index of Short Term Corporate Bond. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.04% 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, SPSB or XLF?
In the year to Oct 28, 2026, with distributions reinvested, SPSB returned +2.2% and XLF +7.6%.
Which is cheaper, SPSB or XLF?
SPSB is cheaper, by 0.04 percentage points a year. That is about $4 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
KRE vs SPSBSPSB vs XLESPSB vs VNQSPSB vs XLIVCSH vs XLFIGSB vs XLFBSV vs XLFVGLT vs XLF
Where to next
SPSB on its own →XLF on its own →Hold both: look the portfolio through →Rankings →SPSB dividend history →SPSB holdings →XLF dividend history →XLF holdings →Standards and sources →
Sources and dates
SPSB filings on SEC EDGAR ↗
SPSB 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, SPSB against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/spsb-vs-xlf

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