Data as of Oct 28, 2026.
USFR vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, USFR returned +4.1% to XLF's +7.6%; 0% of their weight is in the same names.
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Net assets: $17.0bn on May 31, 2026 for WisdomTree Floating Rate Treasury Fund, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
XLF costs 0.07 points a year less; their one-year returns differ by 3.5 points.
| Measure | USFR | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | +4.1% | +7.6% |
| Drawdown | ||
| Below its high | 3.8%, high on Sep 3, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Treasury Floating Rate Bond Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.15% | 0.08% |
| Net assets, USFR as of May 31, 2026 and XLF as of Oct 27, 2026 | $17.0bn | $51.6bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 57.4% | |
Holdings in common uses holdings dated May 31, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, USFR and XLF hold 0% of their money in the same securities at the same weight. Holdings dated May 31, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
USFR and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
USFR
USFR tracks an index of Floating Rate Treasury. Over the year to Oct 28, 2026 it returned +4.1% with distributions reinvested, against +4.0% for its benchmark, the Bloomberg U.S. Treasury Floating Rate Bond Index. The prospectus expense ratio is 0.15% 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, USFR or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, USFR returned +4.1% and XLF +7.6%.
- Which is cheaper, USFR or XLF?
- XLF is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.
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.
Cite this pageCitation, APA and Markdown
ETFIQ, USFR against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/usfr-vs-xlf
ETFIQ. (Oct 28, 2026). USFR against XLF. Retrieved from https://etfiq.com/compare/any/usfr-vs-xlf
[USFR against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/usfr-vs-xlf)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.