Financial Select Sector SPDR Fund (S&P 500 financials sector) against SPDR S&P Regional Banking ETF (S&P Regional Banks Select Industry) — fees, long-horizon total returns, holdings overlap, and sector tilt, side by side.
| XLF | KRE | SPREAD | |
|---|---|---|---|
| YTD (cumulative) | +6.28% | +14.8% | -8.55 pp |
| 1Y CAGR | +8.51% | +14.9% | -6.43 pp |
| 3Y CAGR | +20.7% | +21.5% | -0.81 pp |
| 5Y CAGR | +10.4% | +5.06% | +5.32 pp |
| 10Y CAGR | +13.3% | +8.18% | +5.11 pp |
| Since inception CAGR | +6.13% | +4.64% | +1.48 pp |
Total return: dividend- and split-adjusted daily closes (distributions reinvested). Spread is XLF minus KRE. XLF since-inception measured from first available bar December 22, 1998. KRE since-inception measured from first available bar June 22, 2006. Since-inception spans differ — compare that row with care.
| XLF | KRE | |
|---|---|---|
| Name | State Street Financial Select Sector SPDR ETF | State Street SPDR S&P Regional Banking ETF |
| Category | Financial | Financial |
| Style | Passive | Passive |
| Expense ratio | 0.08% | 0.35% |
| Assets (AUM) | $57.9B | $4.4B |
| Dividend yield | 1.42% | 2.10% |
| Avg volume (3-mo) | 33.3M | 13.6M |
| Inception | December 16, 1998 | June 19, 2006 |
| Benchmark proxy | S&P 500 | S&P 500 |
XLF costs 0.27 pp less per year — about $27.00 per $10,000 invested.
Sum of min(weight in each fund) across shared tickers — the standard fund-overlap measure. Computed on the top 25 holdings each fund reports, so it is a lower bound; the coverage figures show how much of each fund those top holdings represent.
Expense ratios verified against issuer fact sheets. Dividend yield is trailing 12-month distributions divided by price, as reported by the fund data provider.