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

In the year to Sep 13, 2026, with distributions reinvested, SPYD returned +12.9% and XLF returned +7.6%, so SPYD returned more. One year is one year; the longer windows are in the table.

Which is cheaper, SPYD or XLF?

SPYD charges 0.07% a year and XLF charges 0.08%, so SPYD is cheaper. Fees come from each fund's prospectus.

How much do SPYD and XLF overlap with the S&P 500?

By their latest filed holdings, 100% of SPYD and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 6% of their books are the same securities at the same weight.

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

ETFIQetfiq.com · independent ETF data

SPYD vs XLF: how they differ

SPYD and XLF hold 6% of their weight in the same names, and SPYD returned more over the year.

State Street(R) SPDR(R) Portfolio S&P 500(R) High Dividend ETF and State Street(R) Financial Select Sector SPDR(R) ETF.

What they hold in common

By the books each fund has filed, SPYD and XLF hold 6% of their money in the same securities at the same weight.

Positions SPYD and XLF both hold, largest shared weight first
Holding	SPYD	XLF
US BANCORP	1.25%	1.21%
BLACKSTONE INC	1.32%	1.16%
TRUIST FINANCIAL CORP	1.26%	0.78%
PRUDENTIAL FINANCIAL INC	1.29%	0.51%
HUNTINGTON BANCSHARES INC	1.18%	0.42%
ARES MANAGEMENT CORP A	1.41%	0.34%
REGIONS FINANCIAL CORP	1.25%	0.32%
T ROWE PRICE GROUP INC	1.20%	0.29%
KEYCORP	1.22%	0.25%
FIDELITY NATIONAL INFO SERV	1.22%	0.24%
SSI US GOV MONEY MARKET CLASS	0.36%	0.15%
FRANKLIN TEMPLETON INC	1.34%	0.13%

Largest positions each one holds and the other does not
Only in SPYD	Only in XLF
HP INC 1.69%	JPMORGAN CHASE + CO 11.81%
ACCENTURE PLC CL A 1.64%	BERKSHIRE HATHAWAY INC CL B 11.59%
TARGET CORP 1.46%	VISA INC CLASS A SHARES 7.60%
VERIZON COMMUNICATIONS INC 1.46%	MASTERCARD INC A 5.69%
MEDTRONIC PLC 1.45%	BANK OF AMERICA CORP 5.09%
MOSAIC CO/THE 1.44%	GOLDMAN SACHS GROUP INC 3.75%
PFIZER INC 1.44%	WELLS FARGO + CO 3.41%
AT+T INC 1.43%	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.

SPYD and XLF on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	SPYD State Street(R) SPDR(R) Portfolio S&P 500(R) High Dividend ETF	XLF State Street(R) Financial Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	State Street	State Street
What it is	SPDR Portfolio S&P 500 High Dividend	Financials
Total return, 1 year	+12.9%	+7.6%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−4.6 pts	−9.9 pts
Expense ratio	0.07%	0.08%
Already in the S&P 500	100.0%	100.0%
Holdings	81	79

SPYD in plain words

SPYD is an index equity fund tracking the SPDR Portfolio S&P 500 High Dividend. Over the year to Sep 11, 2026 it returned +12.9% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.07% 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 81 positions, with the top ten at 14.9%. It sat 4.3% below its high of Aug 24, 2026 on Sep 11, 2026.

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, SPYD or XLF?: In the year to Sep 13, 2026, with distributions reinvested, SPYD returned +12.9% and XLF returned +7.6%, so SPYD returned more. One year is one year; the longer windows are in the table.
Which is cheaper, SPYD or XLF?: SPYD charges 0.07% a year and XLF charges 0.08%, so SPYD is cheaper. Fees come from each fund's prospectus.
How much do SPYD and XLF overlap with the S&P 500?: By their latest filed holdings, 100% of SPYD and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 6% of their books are the same securities at the same weight.

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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.

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

A comparison is not a recommendation. Standards and sources