XLF vs XLK: which ETF is right for you?
State Street Financial Select Sector SPDR ETF (XLF) and State Street Technology Select Sector SPDR ETF (XLK) compared on cost, size, returns, holdings and sector mix.
XLK has $65.09 billion more in assets than XLF
The State Street Technology Select Sector SPDR ETF (XLK) has significantly more assets than the State Street Financial Select Sector SPDR ETF (XLF). XLK holds $118.67 billion, while XLF holds $53.58 billion.
- XLK has $118.67 billion in assets; XLF has $53.58 billion.
- XLK's year-to-date return is 25.14%; XLF's is 4.46%.
- XLK has a yield of 0.47%; XLF's yield is 1.46%.
- XLK's expense ratio is 0.08%; XLF's expense ratio is also 0.08%.
may suit investors focused on financial sector exposure.
may suit investors looking for technology sector growth.
Summary written from the figures below by an AI model. Past returns do not predict future results; this is educational, not advice.
Side-by-side
XLF State Street Financial Select Sector SPDR ETF | XLK State Street Technology Select Sector SPDR ETF | |
|---|---|---|
| Expense ratio | 0.080%● | 0.080% |
| Fund size (assets) | $53.6B | $118.7B● |
| Dividend yield | 1.46%● | 0.47% |
| Return YTD | 4.46% | 25.14%● |
| Return 1 year | 9.66% | 20.04%● |
| 3 years (annualised) | 22.30% | 30.65%● |
| 5 years (annualised) | 8.86% | 18.18%● |
| 10 years (annualised) | 13.15% | 23.69%● |
| Volatility (5y std dev) | 18.0%● | 24.2% |
| Beta vs market (5y) | 0.88 | 1.34● |
| Issuer | State Street Investment Management | State Street Investment Management |
| Launched | 1998-12-16 | 1998-12-16 |
● marks the best value in a row (lowest cost or volatility, highest return, yield or size). Returns as of 2026-11-05; past performance does not predict future results.
What the fees cost you
A simple illustration: the same $0M growing at an assumed 7% a year before fees. Only the expense ratios differ. This is not a forecast.
Top holdings and overlap
- BRK-BBerkshire Hathaway Inc Class B12.7%
- JPMJPMorgan Chase & Co11.2%
- VVisa Inc Class A8.8%
- MAMastercard Inc Class A6.5%
- BACBank of America Corp4.1%
- GSThe Goldman Sachs Group Inc3.3%
- WFCWells Fargo & Co3.2%
- MSMorgan Stanley2.8%
- CCitigroup Inc2.6%
- AXPAmerican Express Co2.1%
- AAPLApple Inc15.3%
- NVDANVIDIA Corp15.1%
- MSFTMicrosoft Corp11.8%
- AVGOBroadcom Inc4.7%
- AMDAdvanced Micro Devices Inc4.5%
- MUMicron Technology Inc4.0%
- PLTRPalantir Technologies Inc Ordinary Shares - Class A2.6%
- CSCOCisco Systems Inc2.5%
- INTCIntel Corp2.0%
- AMATApplied Materials Inc1.9%
Sector mix
- Financial Services98.2%
- Technology1.6%
- Industrials0.3%
- Technology100.0%
Common questions
Which has lower fees, XLF or XLK?
XLF has the lower expense ratio at 0.080% a year, against 0.080% for XLK. On $10,000 that is about $0 a year in fees.
Which is bigger, XLF or XLK?
XLK manages about $118.7 billion in assets, compared with $53.6 billion for XLF.
Do XLF and XLK hold the same stocks?
Their top holdings differ, so the two funds are exposed to different parts of the market. Compare the holdings and sector tables above.
Compare any ETFs
Pick up to four funds and see fees, overlap and the cost of fees over time.
Open the compare toolFund data comes from public fund filings and market data and is refreshed daily; returns are total returns and past performance does not predict future results. This page is educational and is not investment advice. Check the fund's official documents before investing.