XLF
Financial Select Sector SPDR Fund
1Y Return
+22.5%
Expense Ratio
0.09%
Dividend Yield
1.45%
AUM
$42.5B
Basic Info
IssuerState Street
CategoryFinancials
Inception Date1998-12-16
Tracks U.S. financial sector companies including banks and insurance.
Returns & Risk
1Y Return+22.5%
3Y (Ann.)+12.8%
5Y (Ann.)+14.2%
Volatility18.5%
Sharpe Ratio0.78
Max Drawdown-28.2%
Top 10 Holdings
Berkshire Hathaway
13.5%
JPMorgan Chase
12.2%
Visa
7.8%
Mastercard
6.5%
Bank of America
4.8%
Goldman Sachs
3.5%
Morgan Stanley
3.2%
Wells Fargo
3.0%
Charles Schwab
2.8%
American Express
2.5%
Sector Allocation
Banks
35.2%
Insurance
15.8%
Capital Markets
15.5%
Payments
14.2%
Consumer Finance
8.5%
FinTech
5.2%
Mortgage Finance
3.5%
Trust
2.1%
Historical Annual Returns
Annual returns over the past 6 years
35%-11%
-1.5%2020
+34.8%2021
-10.5%2022
+12.2%2023
+28.5%2024
+5.8%2025
AI Analysis
XLF each have distinct characteristics. XLF led with a 1-year return of +22.5%, while XLF returned +22.5%. XLF has the lowest expense ratio at 0.09%. See detailed comparison below.
Investor Profile
Conservative: Focus on low-volatility, high-dividend ETFs. Keep total allocation under 60% of portfolio Aggressive: Core position in XLF (50%) with diversified allocation for the rest Moderate: 30-40% per ETF with periodic rebalancing
Risk Warning
Past performance does not guarantee future results. Make decisions based on your financial situation and risk tolerance