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Data as of Oct 28, 2026.

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SPYG vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SPYG returned +12.2% to XLF's +7.6%; 9% of their weight is in the same names.

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Net assets on Oct 27, 2026: $55.9bn for State Street SPDR Portfolio S&P 500 Growth ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

SPYG on its own →XLF on its own →
At a glance
+12.2%
SPYG total return, 1 year
+7.6%
XLF total return, 1 year
0.04%
SPYG expense ratio
0.08%
XLF expense ratio

Pair scorecard

SPYG costs 0.04 points a year less; their one-year returns differ by 4.6 points; SPYG is 1.1 times larger.

SPYG vs XLF: Differences, Returns & Fees
MeasureSPYGXLF
Return
Total return, 1 year+12.2%+7.6%
Drawdown
Below its high4.1%, high on Oct 6, 20263.8%, high on Sep 3, 2026
Benchmark
What it tracksS&P 500 Growth IndexFinancial Select Sector Index
Cost and size
Expense ratio0.04%0.08%
Net assets, as of Oct 27, 2026$55.9bn$51.6bn
Holdings
Holdings in common9%
Top ten holdings, share of the fund59.6%57.4%

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

What they share

9%

By the books each fund has filed, SPYG and XLF hold 9% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

0 half 100%

half

9% in common

Positions both hold · largest shared weight first SPYG XLF
BERKSHIRE HATHAWAY INC CL B 2.80% 12.84%
JPMORGAN CHASE + CO 1.68% 11.33%
VISA INC CLASS A SHARES 1.04% 8.69%
MASTERCARD INC A 0.92% 6.26%
GOLDMAN SACHS GROUP INC 0.48% 3.37%
MORGAN STANLEY 0.38% 2.83%
AMERICAN EXPRESS CO 0.31% 2.09%
ROBINHOOD MARKETS INC A 0.21% 0.95%
PROGRESSIVE CORP 0.20% 1.67%
BANK OF NEW YORK MELLON CORP 0.17% 1.27%
S+P GLOBAL INC 0.17% 1.72%
CME GROUP INC 0.16% 1.34%
Only in one fund ↓
Only in SPYG
NVIDIA CORP 14.61%
MICROSOFT CORP 10.93%
APPLE INC 7.01%
ALPHABET INC CL A 5.21%
BROADCOM INC 4.51%
ALPHABET INC CL C 4.17%
META PLATFORMS INC CLASS A 3.79%
AMAZON.COM INC 3.65%
Only in XLF
BANK OF AMERICA CORP 4.18%
WELLS FARGO + CO 3.17%
CITIGROUP INC 2.61%
BLACKROCK INC 2.08%
SCHWAB (CHARLES) CORP 1.84%
CHUBB LTD 1.59%
CAPITAL ONE FINANCIAL CORP 1.58%
US BANCORP 1.18%
Check overlap with more funds →

Side by side

SPYG State Street SPDR Portfolio S&P 500 Growth ETF XLF State Street Financial Select Sector SPDR ETF
Where it sits Stock ETF Stock ETF
Issuer State Street State Street
What it is Tracks the S&P 500 Growth Tracks an index of Financials
Total return, 1 year +12.2% +7.6%
Its benchmark over the same days +12.1% (IVW) not measured
Gap to its benchmark +0.1 pts vs IVW not measured
Expense ratio 0.04% 0.08%
Already in the S&P 500 100.0% 99.8%
Holdings 152 77
Net assets, as of Oct 27, 2026 $55.9bn $51.6bn

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

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About each fund
SPYG

SPYG tracks the S&P 500 Growth. Over the year to Oct 28, 2026 it returned +12.2% with distributions reinvested, against +12.1% for its benchmark, the S&P 500 Growth Index. The prospectus expense ratio is 0.04% 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 152 positions, with the top ten at 59.6%. It sat 4.1% below its high of Oct 6, 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, SPYG or XLF?
In the year to Oct 28, 2026, with distributions reinvested, SPYG returned +12.2% and XLF +7.6%.
Which is cheaper, SPYG or XLF?
SPYG 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.
How much do SPYG and XLF overlap with the S&P 500?
By their latest filed holdings, 100% of SPYG and 100% of XLF by weight is stocks the S&P 500 already holds.
Other comparisons
KRE vs SPYGSPYG vs XLESPYG vs VNQSPYG vs XLIVOOG vs XLFIWF vs XLFVUG vs XLFFBCG vs XLF
Where to next
SPYG on its own →XLF on its own →Hold both: look the portfolio through →Rankings →SPYG dividend history →SPYG holdings →XLF dividend history →XLF holdings →Standards and sources →
Sources and dates
SPYG filings on SEC EDGAR ↗
SPYG 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, SPYG against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/spyg-vs-xlf

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