XLF vs KRE.
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) | +4.51% | +21.6% | -17.12 pp |
| 1Y CAGR | +10.8% | +28.9% | -18.12 pp |
| 3Y CAGR | +20.2% | +25.2% | -5.02 pp |
| 5Y CAGR | +11.4% | +7.58% | +3.79 pp |
| 10Y CAGR | +13.6% | +9.50% | +4.08 pp |
| Since inception CAGR | +6.09% | +4.97% | +1.12 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) | $51.4B | $4.7B |
| Dividend yield | 1.51% | 2.14% |
| Avg volume (3-mo) | 35.4M | 14.5M |
| 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.