Which is cheaper, FINY or XLYI?

FINY charges 1.18% a year and XLYI charges 0.35%, so XLYI is cheaper. Fees come from each fund's prospectus.

Data as of Nov 4, 2026.

Income ETFs

FINY vs XLYI: Dividend Yield & Total Return

FINY and XLYI both write options for income.

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Net assets on Nov 3, 2026: $747,148 for GraniteShares YieldBOOST Financials ETF and $46m for State Street Consumer Discretionary Select Sector SPDR Premium Income ETF.

FINY on its own →XLYI on its own →

At a glance

8.9%

FINY cash paid, since launch, May 5, 2026

13.4%

XLYI cash paid, 1 year

+9.8%

FINY total return, since launch, May 5, 2026

+1.5%

XLYI total return, 1 year

FINY · since launch to Nov 4, 2026 5.8 pts behind XLF

FINY

+9.8%

XLF

+15.6%

5.8 pts behind XLF

FINY since launch: paid 8.9%, price +0.5%, total +9.8%, XLF +15.6%, −5.8 pts. Data to Nov 4, 2026.

XLF

+15.6%

FINY

+9.8%

8.9% of it arrived as cash

5.8 pts behind XLF

Total return, distributions reinvested

5.8 pts behind XLF

FINY since launch: paid 8.9%, price +0.5%, total +9.8%, XLF +15.6%, −5.8 pts. Data to Nov 4, 2026.

XLF

+15.6%

FINY

+9.8%

8.9% cash

5.8 pts behind XLF

8.9% of it arrived as cash. Total return, distributions reinvested. FINY since launch: paid 8.9%, price +0.5%, total +9.8%, XLF +15.6%, −5.8 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

XLYI · 1 year to Nov 4, 2026 2.1 pts behind XLY

XLYI

+1.5%

XLY

+3.6%

2.1 pts behind XLY

XLYI over 1 year: paid 13.4%, price −12.2%, total +1.5%, XLY +3.6%, −2.1 pts. Data to Nov 4, 2026.

XLY

+3.6%

XLYI

+1.5%

2.1 pts behind XLY

Total return, distributions reinvested

2.1 pts behind XLY

XLYI over 1 year: paid 13.4%, price −12.2%, total +1.5%, XLY +3.6%, −2.1 pts. Data to Nov 4, 2026.

XLY

+3.6%

XLYI

+1.5%

2.1 pts behind XLY

13.4% of it arrived as cash. Both charts share one scale, with zero at the line. XLYI over 1 year: paid 13.4%, price −12.2%, total +1.5%, XLY +3.6%, −2.1 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

Pair scorecard

XLYI costs 0.83 points a year less.

Points (pts) are percentage points.

FINY vs XLYI: Dividend Yield & Total Return
Measure	FINY	XLYI
Paid and earned
Measure	FINY	XLYI
Total return, 1 year	not published	+1.5%
Price change	rose 0.5% (since May 5, 2026)	fell 12.2% (1 year)
Return of capital, issuer estimate	96% of the Jul 7, 2026 payment	100% of the Nov 5, 2026 payment
Against its benchmark
Measure	FINY	XLYI
Benchmark	Financials sector, measured through XLF	Consumer discretionary, measured through XLY
Cost and size
Measure	FINY	XLYI
Expense ratio	1.18%	0.35%
Net assets, as of Nov 3, 2026	$747,148	$46m
Holdings
Measure	FINY	XLYI
Holdings in common	0%

Method

What they share

By the books each fund has filed, FINY and XLYI hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Nov 3, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first FINY XLYI

Only in one fund ↓

Only in FINY

Only in XLYI

STATE STREET CONSUMER DISCRETI 103.77%

STATE STREET CONSUMER DISCRETI NOV26 121 CALL -0.01%

STATE STREET CONSUMER DISCRETI NOV26 118.5 CALL -0.02%

STATE STREET CONSUMER DISCRETI NOV26 119.5 CALL -0.02%

STATE STREET CONSUMER DISCRETI NOV26 119 CALL -0.02%

STATE STREET CONSUMER DISCRETI NOV26 116 CALL -0.04%

STATE STREET CONSUMER DISCRETI NOV26 117 CALL -0.06%

STATE STREET CONSUMER DISCRETI NOV26 114 CALL -3.67%

Check overlap with more funds →

Side by side

FINY GraniteShares YieldBOOST Financials ETF · Synthetic covered call on XLF, paying weekly XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF · Covered call on XLY, paying monthly

Issuer GraniteShares State Street

Strategy synthetic covered call covered call

Benchmark Financials sector (XLF) Consumer discretionary (XLY)

Pays weekly monthly

Payout rate, annualized 11.2% 17.6%

Expense ratio 1.18% 0.35%

Cash paid, 1 year 8.9% (since launch, May 5, 2026) 13.4%

Price change, 1 year +0.5% (since launch, May 5, 2026) −12.2%

Total return, 1 year +9.8% (since launch, May 5, 2026) +1.5%

Benchmark return, 1 year +15.6% (since launch, May 5, 2026) +3.6%

Ahead or behind −5.8 pts (since launch, May 5, 2026) −2.1 pts

Return of capital, latest estimate 96% 100%

Age 183 days 1.3 years

Net assets, as of Nov 3, 2026 $747,148 $46m

As of Nov 4, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price. Payout rate: the latest payment, annualized, over today’s price.

Window by window

Window by window: FINY vs XLYI: Dividend Yield & Total Return
	Total return		Cash paid		Against the benchmark
Window	FINY	XLYI	FINY	XLYI	FINY	XLYI
3 months	+1.3%	−0.2%	2.9%	3.3%	−1.2 pts	−3.5 pts
6 months	+9.6%	+1.2%	8.9%	6.6%	−5.4 pts	−1.3 pts
1 year	–	+1.5%	–	13.4%	–	−2.1 pts
Since launchNot the same days: FINY May 2026 · XLYI Jul 2025	+9.8%	+7.9%	8.9%	17.7%	−5.7 pts	−2.8 pts

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Alert

About each fund

FINY

Over the period from its first trade on May 5, 2026 to Nov 4, 2026, FINY paid 8.9% of its starting value in cash distributions while its price rose 0.5%. With every distribution reinvested, the fund returned +9.8%. Financials sector (XLF) returned +15.6% over the same days, so a holder was behind by 5.8 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 11.2%, paid weekly. GraniteShares estimates that 96% of the distribution paid Jul 7, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.

XLYI

Over the year to Nov 4, 2026, XLYI paid 13.4% of its starting value in cash distributions while its price fell 12.2%. With every distribution reinvested, the fund returned +1.5%. Consumer discretionary (XLY) returned +3.6% over the same days, so a holder was behind by 2.1 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 17.6%, paid monthly. State Street estimates that 100% of the distribution paid Nov 5, 2026 was a return of capital (its 19a-1 notice).

Questions people ask

Which is cheaper, FINY or XLYI?: FINY charges 1.18% a year and XLYI charges 0.35%, so XLYI is cheaper. Fees come from each fund's prospectus.

Other comparisons

FINY vs XLVI FINY vs SOXY FINY vs NDIV FINY vs XLUI XLYI vs XLFI XLYI vs TECY XLYI vs XLCI XLYI vs YRAM

Where to next

Financials sector (XLF) →Consumer discretionary (XLY) →All income ETFs ranked by the Distribution Coverage Score →How the scores are computed →FINY on its own →XLYI on its own →FINY dividend history →XLYI dividend history →XLYI holdings →Method →Standards and sources →

Sources and dates

FINY filings on SEC EDGAR ↗

FINY prospectus with the expense ratio (SEC) ↗

FINY 19a-1 distribution notice ↗

GraniteShares page for FINY ↗

XLYI filings on SEC EDGAR ↗

XLYI prospectus with the expense ratio (SEC) ↗

XLYI 19a-1 distribution notice ↗

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.

Every number is an ETFIQ calculation with distributions reinvested.

Cite this pageCitation, APA and Markdown

ETFIQ, FINY against XLYI, data as of Nov 4, 2026. https://etfiq.com/compare/income/finy-vs-xlyi

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