Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLF vs XLRE: how they differ
XLF and XLRE hold 0% of their weight in the same names, and XLF returned more over the year.
State Street(R) Financial Select Sector SPDR(R) ETF and State Street(R) Real Estate Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, XLF and XLRE hold 0% of their money in the same securities at the same weight.
| Holding | XLF | XLRE |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.15% | 0.03% |
| Only in XLF | Only in XLRE |
|---|---|
| JPMORGAN CHASE + CO 11.81% | WELLTOWER INC 11.71% |
| BERKSHIRE HATHAWAY INC CL B 11.59% | PROLOGIS INC 8.96% |
| VISA INC CLASS A SHARES 7.60% | EQUINIX INC 7.10% |
| MASTERCARD INC A 5.69% | AMERICAN TOWER CORP 5.67% |
| BANK OF AMERICA CORP 5.09% | VIVMARK RESIDENTIAL 5.06% |
| GOLDMAN SACHS GROUP INC 3.75% | DIGITAL REALTY TRUST INC 5.04% |
| WELLS FARGO + CO 3.41% | SIMON PROPERTY GROUP INC 4.67% |
| MORGAN STANLEY 3.18% | VENTAS INC 4.66% |
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.
| XLF State Street(R) Financial Select Sector SPDR(R) ETF | XLRE State Street(R) Real Estate Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | Financials | Real estate |
| Total return, 1 year | +7.6% | +5.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −9.9 pts | −11.9 pts |
| Expense ratio | 0.08% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 79 | 32 |
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%.
XLRE in plain words
XLRE is an index equity fund tracking the Real estate. Over the year to Sep 11, 2026 it returned +5.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. By its holdings filed for Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 32 positions, with the top ten at 61.9%. It sat 5.6% below its high of Jul 28, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, XLF or XLRE?
- In the year to Sep 13, 2026, with distributions reinvested, XLF returned +7.6% and XLRE returned +5.6%, so XLF returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLF or XLRE?
- XLF charges 0.08% a year and XLRE charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do XLF and XLRE overlap with the S&P 500?
- By their latest filed holdings, 100% of XLF and 100% of XLRE by weight is stocks the S&P 500 already holds. Between the two funds, 0% 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.
Cite this page. ETFIQ, XLF against XLRE, data as of Sep 13, 2026. https://etfiq.com/compare/any/xlf-vs-xlre Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources