Which paid more, XLFI or XLYI?

Over the year to Nov 4, 2026, XLFI paid 10.7% of its starting price in cash and XLYI paid 13.4%, so XLYI paid more. Cash paid is not the same as money made: the price change matters too.

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

With every distribution reinvested, XLFI returned +8.1% and XLYI +1.5% over the year to Nov 4, 2026.

Which is cheaper, XLFI or XLYI?

XLFI and XLYI 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

XLFI vs XLYI: Dividend Yield & Total Return

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Over the year to Nov 4, 2026, XLYI paid 13.4% 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: $13m for State Street Financial Select Sector SPDR Premium Income ETF and $46m for State Street Consumer Discretionary Select Sector SPDR Premium Income ETF.

XLFI on its own →XLYI on its own →

At a glance

10.7%

XLFI cash paid, 1 year

13.4%

XLYI cash paid, 1 year

+8.1%

XLFI total return, 1 year

+1.5%

XLYI total return, 1 year

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. Total return, distributions reinvested. 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.

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

Both cost 0.35% a year; their one-year returns differ by 6.6 points; XLYI is 3.5 times larger.

Points (pts) are percentage points.

XLFI vs XLYI: Dividend Yield & Total Return
Measure	XLFI	XLYI
Paid and earned
Measure	XLFI	XLYI
Total return, 1 year	+8.1%	+1.5%
Price change, 1 year	fell 3.2%	fell 12.2%
Return of capital, issuer estimate	100% of the Nov 5, 2026 payment
Against its benchmark
Measure	XLFI	XLYI
Benchmark	Financials sector, measured through XLF	Consumer discretionary, measured through XLY
Cost and size
Measure	XLFI	XLYI
Expense ratio	0.35%	0.35%
Net assets, as of Nov 3, 2026	$13m	$46m
Holdings
Measure	XLFI	XLYI
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 Score45.8XLFI21.3XLYI

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

XLFI 45.8

XLYI 21.3

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, XLFI and XLYI 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 XLFI XLYI

Only in one fund ↓

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%

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

XLFI State Street Financial Select Sector SPDR Premium Income ETF · Covered call on XLF, paying monthly XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF · Covered call on XLY, paying monthly

Issuer State Street State Street

Strategy covered call covered call

Benchmark Financials sector (XLF) Consumer discretionary (XLY)

Pays monthly monthly

Payout rate, annualized 11.0% 17.6%

Expense ratio 0.35% 0.35%

Cash paid, 1 year 10.7% 13.4%

Price change, 1 year −3.2% −12.2%

Total return, 1 year +8.1% +1.5%

Benchmark return, 1 year +14.7% +3.6%

Ahead or behind −6.6 pts −2.1 pts

Return of capital, latest estimate 100% 100%

Age 1.3 years 1.3 years

Net assets, as of Nov 3, 2026 $13m $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: XLFI vs XLYI: Dividend Yield & Total Return
	Total return		Cash paid		Against the benchmark
Window	XLFI	XLYI	XLFI	XLYI	XLFI	XLYI
3 months	−0.3%	−0.2%	2.3%	3.3%	−2.7 pts	−3.5 pts
6 months	+9.0%	+1.2%	5.0%	6.6%	−6.0 pts	−1.3 pts
1 year	+8.1%	+1.5%	10.7%	13.4%	−6.6 pts	−2.1 pts
Since launchXLFI Jul 2025 · XLYI Jul 2025	+10.5%	+7.9%	14.1%	17.7%	−4.0 pts	−2.8 pts

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Alert

About each fund

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). 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.

Questions people ask

Which paid more, XLFI or XLYI?: Over the year to Nov 4, 2026, XLFI paid 10.7% of its starting price in cash and XLYI paid 13.4%, so XLYI paid more. Cash paid is not the same as money made: the price change matters too.
Which returned more once distributions are counted, XLFI or XLYI?: With every distribution reinvested, XLFI returned +8.1% and XLYI +1.5% over the year to Nov 4, 2026.
Which is cheaper, XLFI or XLYI?: XLFI and XLYI both charge 0.35% a year, so neither is cheaper. Fees come from each fund's prospectus.

Other comparisons

XLFI vs HAKY XLFI vs NUKX XLFI vs MDST XLFI vs YRAM XLYI vs FINY XLYI vs MLPD XLYI vs NDIV XLYI vs SEMY

Where to next

Financials sector (XLF) →Consumer discretionary (XLY) →XLFI on its own →XLYI on its own →XLFI dividend history →XLFI holdings →XLYI dividend history →XLYI holdings →Method →Standards and sources →

Sources and dates

XLFI and XLYI filings on SEC EDGAR ↗

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

XLFI 19a-1 distribution notice ↗

State Street website ↗

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

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