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

In the year to Oct 28, 2026, with distributions reinvested, USHY returned +1.7% and XLF +7.6%.

Which is cheaper, USHY or XLF?

Neither: USHY and XLF both charge 0.08% a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

USHY vs XLF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, USHY returned +1.7% to XLF's +7.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $26.3bn for iShares Broad USD High Yield Corporate Bond ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

USHY on its own →XLF on its own →

At a glance

+1.7%

USHY total return, 1 year

+7.6%

XLF total return, 1 year

0.08%

USHY expense ratio

0.08%

XLF expense ratio

Pair scorecard

Both cost 0.08% a year; their one-year returns differ by 5.9 points; XLF is 2.0 times larger.

Points (pts) are percentage points.

USHY vs XLF: Differences, Returns & Fees
Measure	USHY	XLF
Return
Measure	USHY	XLF
Total return, 1 year	+1.7%	+7.6%
Drawdown
Measure	USHY	XLF
Below its high		3.8%, high on Sep 3, 2026
Benchmark
Measure	USHY	XLF
What it tracks	ICE BofA US High Yield Constrained Index	Financial Select Sector Index
Cost and size
Measure	USHY	XLF
Expense ratio	0.08%	0.08%
Net assets, as of Oct 27, 2026	$26.3bn	$51.6bn
Holdings
Measure	USHY	XLF
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 Oct 27, 2026. Method

What they share

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

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first USHY XLF

Only in one fund ↓

Only in USHY

1261229 BC LTD 144A 0.48%

ECHOSTAR CORP 0.40%

MERIDIAN ARC HOLDCO LLC 144A 0.36%

PR RNO PROPERTY OWNER 1 LLC 144A 0.31%

SOFTBANK GROUP CORP 144A 0.30%

SOFTBANK GROUP CORP 144A 0.29%

CLOUD SOFTWARE GROUP LLC 144A 0.27%

QUIKRETE HOLDINGS INC 144A 0.27%

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

USHY iShares Broad USD High Yield Corporate Bond ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Tracks an index of Broad USD High Yield Corporate Bond Tracks an index of Financials

Total return, 1 year +1.7% +7.6%

Its benchmark over the same days +1.8% (SPHY) not measured

Gap to its benchmark −0.1 pts vs SPHY not measured

Expense ratio 0.08% 0.08%

Holdings 1900 77

Net assets, as of Oct 27, 2026 $26.3bn $51.6bn

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

Alert

About each fund

USHY

USHY tracks an index of Broad USD High Yield Corporate Bond. Over the year to Oct 28, 2026 it returned +1.7% with distributions reinvested, against +1.8% for its benchmark, the ICE BofA US High Yield Constrained Index, measured by the closely related ICE BofA US High Yield Index. The prospectus expense ratio is 0.08% a year.

XLF

XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. 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, USHY or XLF?: In the year to Oct 28, 2026, with distributions reinvested, USHY returned +1.7% and XLF +7.6%.
Which is cheaper, USHY or XLF?: Neither: USHY and XLF both charge 0.08% a year. Fees come from each fund's prospectus.

Other comparisons

KRE vs USHY USHY vs XLE USHY vs VNQ USHY vs VGT HYG vs XLF JNK vs XLF VTIP vs XLF VGSH vs XLF

Where to next

USHY on its own →XLF on its own →Hold both: look the portfolio through →Rankings →USHY dividend history →USHY holdings →XLF dividend history →XLF holdings →Standards and sources →

Sources and dates

USHY filings on SEC EDGAR ↗

USHY prospectus with the expense ratio (SEC) ↗

iShares page for USHY ↗

XLF filings on SEC EDGAR ↗

XLF prospectus with the expense ratio (SEC) ↗

State Street website ↗

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, USHY against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/ushy-vs-xlf

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