Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
SPYM vs XLF: how they differ
SPYM and XLF hold 12% of their weight in the same names, and SPYM returned more over the year.
State Street(R) SPDR(R) Portfolio S&P 500(R) ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, SPYM and XLF hold 12% of their money in the same securities at the same weight.
| Holding | SPYM | XLF |
|---|---|---|
| JPMORGAN CHASE + CO | 1.45% | 11.81% |
| BERKSHIRE HATHAWAY INC CL B | 1.42% | 11.59% |
| VISA INC CLASS A SHARES | 0.93% | 7.60% |
| MASTERCARD INC A | 0.70% | 5.69% |
| BANK OF AMERICA CORP | 0.62% | 5.09% |
| GOLDMAN SACHS GROUP INC | 0.46% | 3.75% |
| WELLS FARGO + CO | 0.42% | 3.41% |
| MORGAN STANLEY | 0.39% | 3.18% |
| CITIGROUP INC | 0.36% | 2.94% |
| SCHWAB (CHARLES) CORP | 0.27% | 2.19% |
| AMERICAN EXPRESS CO | 0.26% | 2.13% |
| BLACKROCK INC | 0.23% | 1.91% |
| Only in SPYM | Only in XLF |
|---|---|
| NVIDIA CORP 8.07% | XAF FINANCIAL SEP26 0.01% |
| APPLE INC 7.32% | POUND STERLING 0.00% |
| MICROSOFT CORP 5.58% | |
| AMAZON.COM INC 3.76% | |
| ALPHABET INC CL A 2.98% | |
| BROADCOM INC 2.61% | |
| ALPHABET INC CL C 2.38% | |
| META PLATFORMS INC CLASS A 2.16% |
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.
| SPYM State Street(R) SPDR(R) Portfolio S&P 500(R) 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 | S&P 500 | Financials |
| Total return, 1 year | +17.6% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +0.1 pts | −9.9 pts |
| Expense ratio | 1.30% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 507 | 79 |
SPYM in plain words
SPYM is an index equity fund tracking the S&P 500. Over the year to Sep 11, 2026 it returned +17.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 1.30% 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 507 positions, with the top ten at 38.1%.
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, SPYM or XLF?
- In the year to Sep 13, 2026, with distributions reinvested, SPYM returned +17.6% and XLF returned +7.6%, so SPYM returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SPYM or XLF?
- SPYM charges 1.30% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do SPYM and XLF overlap with the S&P 500?
- By their latest filed holdings, 100% of SPYM and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 12% of their books are the same securities at the same weight.
Other comparisons
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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.
Cite this page. ETFIQ, SPYM against XLF, data as of Sep 13, 2026. https://etfiq.com/compare/any/spym-vs-xlf Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources