Which paid more, XLCI or XLFI?

Over the year to Nov 4, 2026, XLCI paid 11.1% of its starting price in cash and XLFI paid 10.7%, so XLCI paid more. Cash paid is not the same as money made: the price change matters too.

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

With every distribution reinvested, XLCI returned +0.7% and XLFI +8.1% over the year to Nov 4, 2026.

Which is cheaper, XLCI or XLFI?

XLCI and XLFI both charge 0.35% a year, so neither is cheaper. Fees come from each fund's prospectus.

Data as of Nov 4, 2026.

Income ETFs

XLCI vs XLFI: Dividend Yield & Total Return

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Over the year to Nov 4, 2026, XLCI paid 11.1% of its price in cash against XLFI’s 10.7%, though XLFI returned more with it reinvested.

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Net assets on Nov 3, 2026: $3.4m for State Street Communication Services Select Sector SPDR Premium Income ETF and $13m for State Street Financial Select Sector SPDR Premium Income ETF.

XLCI on its own →XLFI on its own →

At a glance

11.1%

XLCI cash paid, 1 year

10.7%

XLFI cash paid, 1 year

+0.7%

XLCI total return, 1 year

+8.1%

XLFI total return, 1 year

XLCI · 1 year to Nov 4, 2026 6.5 pts ahead of XLC

XLCI

+0.7%

XLC

−5.8%

6.5 pts ahead of XLC

XLCI over 1 year: paid 11.1%, price −10.0%, total +0.7%, XLC −5.8%, +6.5 pts. Data to Nov 4, 2026.

XLC

−5.8%

XLCI

+0.7%

6.5 pts ahead of XLC

Total return, distributions reinvested

6.5 pts ahead of XLC

XLCI over 1 year: paid 11.1%, price −10.0%, total +0.7%, XLC −5.8%, +6.5 pts. Data to Nov 4, 2026.

XLC

−5.8%

XLCI

+0.7%

6.5 pts ahead of XLC

11.1% of it arrived as cash. Total return, distributions reinvested. XLCI over 1 year: paid 11.1%, price −10.0%, total +0.7%, XLC −5.8%, +6.5 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%

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

Both cost 0.35% a year; their one-year returns differ by 7.4 points; XLFI is 3.8 times larger.

Points (pts) are percentage points.

XLCI vs XLFI: Dividend Yield & Total Return
Measure	XLCI	XLFI
Paid and earned
Measure	XLCI	XLFI
Total return, 1 year	+0.7%	+8.1%
Price change, 1 year	fell 10.0%	fell 3.2%
Return of capital, issuer estimate	100% of the Nov 5, 2026 payment
Against its benchmark
Measure	XLCI	XLFI
Benchmark	Communication services, measured through XLC	Financials sector, measured through XLF
Cost and size
Measure	XLCI	XLFI
Expense ratio	0.35%	0.35%
Net assets, as of Nov 3, 2026	$3.4m	$13m
Holdings
Measure	XLCI	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 Score20.1XLCI45.8XLFI

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

XLCI 20.1

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, XLCI and XLFI hold 0% of their money in the same securities at the same weight. Holdings dated Nov 3, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XLCI XLFI

Only in one fund ↓

Only in XLCI

STATE STREET COMMUNICATION SER 100.11%

STATE STREET COMMUNICATION SER NOV26 116 CALL -0.00%

STATE STREET COMMUNICATION SER NOV26 111 CALL -0.02%

STATE STREET COMMUNICATION SER NOV26 114 CALL -0.04%

STATE STREET COMMUNICATION SER NOV26 103 CALL -0.09%

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

XLCI State Street Communication Services Select Sector SPDR Premium Income ETF · Covered call on XLC, paying monthly XLFI State Street Financial Select Sector SPDR Premium Income ETF · Covered call on XLF, paying monthly

Issuer State Street State Street

Strategy covered call covered call

Benchmark Communication services (XLC) Financials sector (XLF)

Pays monthly monthly

Payout rate, annualized 13.7% 11.0%

Expense ratio 0.35% 0.35%

Cash paid, 1 year 11.1% 10.7%

Price change, 1 year −10.0% −3.2%

Total return, 1 year +0.7% +8.1%

Benchmark return, 1 year −5.8% +14.7%

Ahead or behind +6.5 pts −6.6 pts

Return of capital, latest estimate 100% 100%

Age 1.3 years 1.3 years

Net assets, as of Nov 3, 2026 $3.4m $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: XLCI vs XLFI: Dividend Yield & Total Return
	Total return		Cash paid		Against the benchmark
Window	XLCI	XLFI	XLCI	XLFI	XLCI	XLFI
3 months	−2.9%	−0.3%	2.7%	2.3%	+2.1 pts	−2.7 pts
6 months	−6.0%	+9.0%	5.4%	5.0%	+4.0 pts	−6.0 pts
1 year	+0.7%	+8.1%	11.1%	10.7%	+6.6 pts	−6.6 pts
Since launchXLCI Jul 2025 · XLFI Jul 2025	+3.2%	+10.5%	14.3%	14.1%	+3.0 pts	−4.0 pts

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Alert

About each fund

XLCI

Over the year to Nov 4, 2026, XLCI paid 11.1% of its starting value in cash distributions while its price fell 10.0%. With every distribution reinvested, the fund returned +0.7%. Communication services (XLC) returned −5.8% over the same days, so a holder was ahead by 6.5 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 13.7%, paid monthly. State Street estimates that 100% 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.

Questions people ask

Which paid more, XLCI or XLFI?: Over the year to Nov 4, 2026, XLCI paid 11.1% of its starting price in cash and XLFI paid 10.7%, so XLCI paid more. Cash paid is not the same as money made: the price change matters too.
Which returned more once distributions are counted, XLCI or XLFI?: With every distribution reinvested, XLCI returned +0.7% and XLFI +8.1% over the year to Nov 4, 2026.
Which is cheaper, XLCI or XLFI?: XLCI and XLFI both charge 0.35% a year, so neither is cheaper. Fees come from each fund's prospectus.

Other comparisons

XLCI vs FINY XLCI vs HAKY XLCI vs XLII XLCI vs XLSI XLFI vs BIOY XLFI vs FINY XLFI vs NDIV XLFI vs MDST

Where to next

Communication services (XLC) →Financials sector (XLF) →XLCI on its own →XLFI on its own →XLCI dividend history →XLCI holdings →XLFI dividend history →XLFI holdings →Method →Standards and sources →

Sources and dates

XLCI and XLFI filings on SEC EDGAR ↗

XLCI and XLFI prospectus with the expense ratio (SEC) ↗

XLCI 19a-1 distribution notice ↗

State Street website ↗

XLFI 19a-1 distribution notice ↗

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.

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

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