Which paid more, GPTY or XLFI?

Over the year to Nov 4, 2026, GPTY paid 33.1% of its starting price in cash and XLFI paid 10.7%, so GPTY paid more. Cash paid is not the same as money made: the price change matters too.

Which returned more once distributions are counted, GPTY or XLFI?

With every distribution reinvested, GPTY returned +10.0% and XLFI +8.1% over the year to Nov 4, 2026.

Which is cheaper, GPTY or XLFI?

GPTY charges 1.06% a year and XLFI charges 0.35%, so XLFI is cheaper. Fees come from each fund's prospectus.

Data as of Nov 4, 2026.

Income ETFs

GPTY vs XLFI: Dividend Yield & Total Return

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Over the year to Nov 4, 2026, GPTY paid 33.1% of its price in cash against XLFI’s 10.7%, and returned more with it reinvested.

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Net assets on Nov 3, 2026: $125m for YieldMax AI & Tech Portfolio Option Income ETF and $13m for State Street Financial Select Sector SPDR Premium Income ETF.

GPTY on its own →XLFI on its own →

At a glance

33.1%

GPTY cash paid, 1 year

10.7%

XLFI cash paid, 1 year

+10.0%

GPTY total return, 1 year

+8.1%

XLFI total return, 1 year

GPTY · 1 year to Nov 4, 2026 4.8 pts behind SPY

GPTY

+10.0%

SPY

+14.8%

4.8 pts behind SPY

GPTY over 1 year: paid 33.1%, price −23.9%, total +10.0%, SPY +14.8%, −4.8 pts. Data to Nov 4, 2026.

SPY

+14.8%

GPTY

+10.0%

33.1% of it arrived as cash

4.8 pts behind SPY

Total return, distributions reinvested

4.8 pts behind SPY

GPTY over 1 year: paid 33.1%, price −23.9%, total +10.0%, SPY +14.8%, −4.8 pts. Data to Nov 4, 2026.

SPY

+14.8%

GPTY

+10.0%

33.1% as cash

4.8 pts behind SPY

33.1% of it arrived as cash. Total return, distributions reinvested. GPTY over 1 year: paid 33.1%, price −23.9%, total +10.0%, SPY +14.8%, −4.8 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

XLFI · 1 year to Nov 4, 2026 6.6 pts behind XLF

XLFI

+8.1%

XLF

+14.7%

6.6 pts behind XLF

XLFI over 1 year: paid 10.7%, price −3.2%, total +8.1%, XLF +14.7%, −6.6 pts. Data to Nov 4, 2026.

XLF

+14.7%

XLFI

+8.1%

10.7% of it arrived as cash

6.6 pts behind XLF

Total return, distributions reinvested

6.6 pts behind XLF

XLFI over 1 year: paid 10.7%, price −3.2%, total +8.1%, XLF +14.7%, −6.6 pts. Data to Nov 4, 2026.

XLF

+14.7%

XLFI

+8.1%

10.7% cash

6.6 pts behind XLF

10.7% of it arrived as cash. Both charts share one scale, with zero at the line. XLFI over 1 year: paid 10.7%, price −3.2%, total +8.1%, XLF +14.7%, −6.6 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

Pair scorecard

XLFI costs 0.71 points a year less; their one-year returns differ by 1.9 points; GPTY is 9.6 times larger.

Points (pts) are percentage points.

GPTY vs XLFI: Dividend Yield & Total Return
Measure	GPTY	XLFI
Paid and earned
Measure	GPTY	XLFI
Total return, 1 year	+10.0%	+8.1%
Price change, 1 year	fell 23.9%	fell 3.2%
Return of capital, issuer estimate	49% of the Nov 5, 2026 payment	100% of the Nov 5, 2026 payment
Against its benchmark
Measure	GPTY	XLFI
Benchmark	S&P 500, measured through SPY	Financials sector, measured through XLF
Cost and size
Measure	GPTY	XLFI
Expense ratio	1.06%	0.35%
Net assets, as of Nov 3, 2026	$125m	$13m
Holdings
Measure	GPTY	XLFI
Holdings in common	0%

ETFIQ Distribution Coverage Score · XLFI scores higher How much of what it paid out did its total return cover?

IQ Income Score26GPTY45.8XLFI

How much of its payouts the fund's total return covered, ranked against 167 income ETFs not writing on a single company. 100 is best. How it is computed

GPTY 26

XLFI 45.8

0.3, the lowest in this set 99.7, the highest

One year only, and a ratio of two published numbers: it says nothing about where a distribution came from. All income ETFs ranked by it →

Method

What they share

By the books each fund has filed, GPTY and XLFI hold 0% of their money in the same securities at the same weight. Holdings dated Nov 3, 2026 and Nov 4, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first GPTY XLFI

Only in one fund ↓

Only in GPTY

Microsoft Corp 7.99%

Apple Inc 7.87%

NVIDIA Corp 7.06%

Amazon.com Inc 6.85%

Alphabet Inc 6.50%

Taiwan Semiconductor Manufacturing Co Ltd 5.79%

Space Exploration Technologies Corp 5.57%

Meta Platforms Inc 5.40%

Only in XLFI

STATE STREET FINANCIAL SELECT 102.90%

STATE STREET FINANCIAL SELECT NOV26 58 CALL -0.06%

STATE STREET FINANCIAL SELECT NOV26 57.5 CALL -0.11%

STATE STREET FINANCIAL SELECT NOV26 57 CALL -0.18%

STATE STREET FINANCIAL SELECT NOV26 56 CALL -2.55%

Check overlap with more funds →

Side by side

GPTY YieldMax AI & Tech Portfolio Option Income ETF · Synthetic covered call on SPY, paying weekly XLFI State Street Financial Select Sector SPDR Premium Income ETF · Covered call on XLF, paying monthly

Issuer YieldMax State Street

Strategy synthetic covered call covered call

Benchmark S&P 500 (SPY) Financials sector (XLF)

Pays weekly monthly

Payout rate, annualized 35.2% 11.0%

Expense ratio 1.06% 0.35%

Cash paid, 1 year 33.1% 10.7%

Price change, 1 year −23.9% −3.2%

Total return, 1 year +10.0% +8.1%

Benchmark return, 1 year +14.8% +14.7%

Ahead or behind −4.8 pts −6.6 pts

Return of capital, latest estimate 49% 100%

Age 1.8 years 1.3 years

Net assets, as of Nov 3, 2026 $125m $13m

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: GPTY vs XLFI: Dividend Yield & Total Return
	Total return		Cash paid		Against the benchmark
Window	GPTY	XLFI	GPTY	XLFI	GPTY	XLFI
3 months	−7.1%	−0.3%	8.7%	2.3%	−7.0 pts	−2.7 pts
6 months	−4.6%	+9.0%	17.6%	5.0%	−9.6 pts	−6.0 pts
1 year	+10.0%	+8.1%	33.1%	10.7%	−4.8 pts	−6.6 pts
Since launchNot the same days: GPTY Jan 2025 · XLFI Jul 2025	+35.3%	+10.5%	54.9%	14.1%	+7.1 pts	−4.0 pts

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Alert

About each fund

GPTY

Over the year to Nov 4, 2026, GPTY paid 33.1% of its starting value in cash distributions while its price fell 23.9%. With every distribution reinvested, the fund returned +10.0%. S&P 500 (SPY) returned +14.8% over the same days, so a holder was behind by 4.8 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 35.2%, paid weekly. YieldMax estimates that 49% of the distribution paid Nov 5, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.

XLFI

Over the year to Nov 4, 2026, XLFI paid 10.7% of its starting value in cash distributions while its price fell 3.2%. With every distribution reinvested, the fund returned +8.1%. Financials sector (XLF) returned +14.7% over the same days, so a holder was behind by 6.6 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 11.0%, 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 paid more, GPTY or XLFI?: Over the year to Nov 4, 2026, GPTY paid 33.1% of its starting price in cash and XLFI paid 10.7%, so GPTY paid more. Cash paid is not the same as money made: the price change matters too.
Which returned more once distributions are counted, GPTY or XLFI?: With every distribution reinvested, GPTY returned +10.0% and XLFI +8.1% over the year to Nov 4, 2026.
Which is cheaper, GPTY or XLFI?: GPTY charges 1.06% a year and XLFI charges 0.35%, so XLFI is cheaper. Fees come from each fund's prospectus.

Other comparisons

GPTY vs FINY GPTY vs HAKY GPTY vs TYLG GPTY vs XLII XLFI vs SOXY XLFI vs CHPY XLFI vs TYLG XLFI vs HAKY

Where to next

S&P 500 (SPY) →Financials sector (XLF) →GPTY on its own →XLFI on its own →GPTY dividend history →GPTY holdings →XLFI dividend history →XLFI holdings →Method →Standards and sources →

Sources and dates

GPTY filings on SEC EDGAR ↗

GPTY prospectus with the expense ratio (SEC) ↗

GPTY 19a-1 distribution notice ↗

YieldMax page for GPTY ↗

XLFI filings on SEC EDGAR ↗

XLFI prospectus with the expense ratio (SEC) ↗

XLFI 19a-1 distribution notice ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

It is a place in a set, not a rating or a recommendation.

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, GPTY against XLFI, data as of Nov 4, 2026. https://etfiq.com/compare/income/gpty-vs-xlfi

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