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State Street® Financial Select Sector SPDR® ETF

SPDR · US81369Y6059

State Street® Financial Select Sector SPDR® ETF is an exchange-traded fund (ETF) from SPDR, traded under the ticker XLF (ISIN US81369Y6059). It lets you buy a basket of holdings in a single trade, spreading your money across them rather than one company. In plain terms it is about owning small slices of companies, so you share in their growth when…

· Tracks the Financial Select Sector Index index ?
Equity ?Unknown Physical ?United States ?
Low yearly feeOwns the shares directlyOtherConcentrated in a few names
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SPDR fundsDomiciled in United StatesUnknownPhysically replicatedOther stocksYearly fee under 0.25%

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Fund size (AUM) ?
€49.2B
1-year return ?
+10.2%
Price Return · to 2026-08-18
Yearly fee (TER) ?
0.08%
All-in cost ≈ 0.00%

About this fund

What you own

The Financial Select Sector Index index is the benchmark this fund aims to copy. By holding it, this fund gives you a stake in around 80 companies across Other in a single purchase.

How it works

The fund actually buys every share in the index it tracks (full replication).

Read more

Owning every holding keeps things transparent — what is in the index is what the fund actually owns. It can be a touch costlier to run for indexes with thousands of tiny positions, since the fund has to buy and maintain them all. There is no swap bank involved, so there is no extra “what if the partner fails” question to weigh.

Cost

0.08%Yearly fee (TER)
0.00%All-in cost

The yearly running cost of the fund, shown as a % of your money. Lower is cheaper.

Read more

For example, a 0.20% fee works out at €0.20 a year for every €100 invested — that’s a generic illustration of the mechanic, not this fund’s own fee. It is skimmed quietly from inside the fund a little each day, so you never get a bill — but it drags on your return every year you hold. On a broad index ETF it is usually a small fraction of a percent; the gap between a cheap and a pricey fund looks tiny on day one but compounds over decades, which is why it is worth a glance.

Fund facts

Index tracked ?
Financial Select Sector Index
Replication ?
Physical
Full — buys every share
Launched
Dec 1998
28-year track record

Performance

73.995.1116137159202120242026

Growth of $100 invested — the line starts at $100.

State Street® Financial Select Sector SPDR® ETF

End-of-day prices, rebased to a common start so the shapes are comparable. Past performance does not predict future results.

YTD+5.6%
1 year+10.2%
3 years+19.4%
5 years+9.1%

Return, year by year

-12.4
+9.9
+28.5
+13.3
'22'23'24'25
3 of 4 up yearsBest: 2024 +28.5%Worst: 2022 -12.4%Calendar-year total returns, in USD

How bumpy has it been?

14.5%
Volatility (1y) ?
How much the price swings year to year — lower is calmer.
-15.8%
Worst drop (3y) ?
The biggest fall from a peak over the last three years.
1.21
Return for the risk (3y) ?
Reward earned per unit of bumpiness.

The bigger picture

+56.4%
Since inception
Total growth since launch — about +9.1% a year.
+50.1%
Best 12 months
The strongest one-year stretch on record.
-22.3%
Worst 12 months
The weakest one-year stretch on record.
-26.9%
Worst fall on record ?
It clawed back in about 18 months.

What's inside

The 10 biggest holdings make up 56.9% of the fund — the rest is spread across roughly 70 more companies.

Top 10 holdings

#CompanyWeight
1BERKSHIRE HATHAWAY INC CL B11.9%
2JPMORGAN CHASE + CO11.8%
3VISA INC CLASS A SHARES7.3%
4MASTERCARD INC A5.6%
5BANK OF AMERICA CORP5.1%
6GOLDMAN SACHS GROUP INC3.7%
7WELLS FARGO + CO3.3%
8MORGAN STANLEY3.2%
9CITIGROUP INC2.8%
10AMERICAN EXPRESS CO2.2%

Where to buy this fund

Set from your language & location — change it if it's wrong.

Where it trades

ExchangeTickerCurrency
NYSEXLFUSD★ Primary
EUR listings
FrankfurtSD7FEUR
USD listings
B2XLFUSDUSD
B30L4RLUSD
B4XLFUSD
E1XLFRUBUSD
E1XLFGBXUSD
E1XLFEURUSD
E1XLFCHFUSD
E1XLFCADUSD
E1XLFUSD
EOXLFUSD
EOXLFCADUSD
EOXLFCHFUSD
EPXLFUSD
EUXLFRUBUSD
EUXLFGBXUSD
EUXLFEURUSD
EUXLFCHFUSD
EUXLFUSD
EUXLFCADUSD
EZXLFUSD
GHSD7FUSD
GISD7FUSD
L10L4RLUSD
L30L4RLUSD
LSE0L4RUSD
MFXLF*USD
MMXLF*USD
MUXLF*USD
NYSE ArcaXLFUSD
OCXLFUSD
ODXLFUSD
PEXLFUSD
PO0L4RLUSD
THSD7FUSD
UAXLFUSD
UBXLFUSD
UCXLFUSD
UDXLFUSD
UFXLFUSD
UMXLFUSD
USXLFUSD
UTXLFUSD
UXXLFUSD
VFXLFUSD
VJXLFUSD
VKXLFUSD
VPXLFUSD
VTXLFUSD
VYXLFUSD
X1XLFCADUSD
X1XLFCHFUSD
X2XLFUSD
X2XLFCADUSD
X2XLFCHFUSD
X9XLFEURUSD
X9XLFUSD
XAXLFRUBUSD
XAXLFGBXUSD
XAXLFEURUSD
XAXLFCHFUSD
XAXLFCADUSD
XAXLFUSD
XBXLFUSD
XEXLFRUBUSD
XEXLFGBXUSD
XEXLFEURUSD
XEXLFCHFUSD
XEXLFCADUSD
XEXLFUSD
XFXLFRUBUSD
XFXLFGBXUSD
XFXLFEURUSD
XFXLFCHFUSD
XFXLFCADUSD
XFXLFUSD
XGXLFRUBUSD
XGXLFGBXUSD
XGXLFEURUSD
XGXLFCHFUSD
XGXLFCADUSD
XGXLFUSD
XHXLFRUBUSD
XHXLFGBXUSD
XHXLFEURUSD
XHXLFCHFUSD
XHXLFCADUSD
XHXLFUSD
XJXLFRUBUSD
XJXLFGBXUSD
XJXLFEURUSD
XJXLFCHFUSD
XJXLFCADUSD
XJXLFUSD
XLXLFRUBUSD
XLXLFGBXUSD
XLXLFEURUSD
XLXLFCHFUSD
XLXLFCADUSD
XLXLFUSD
XOXLFRUBUSD
XOXLFGBXUSD
XOXLFEURUSD
XOXLFCHFUSD
XOXLFCADUSD
XOXLFUSD
XQXLFRUBUSD
XQXLFGBXUSD
XQXLFEURUSD
XQXLFCHFUSD
XQXLFCADUSD
XQXLFUSD
XSXLFRUBUSD
XSXLFGBXUSD
XSXLFEURUSD
XSXLFUSD
XTXLFUSD
XTXLFCADUSD
XTXLFGBXUSD
XUXLFRUBUSD
XUXLFGBXUSD
XUXLFEURUSD
XUXLFCHFUSD
XUXLFCADUSD
XUXLFUSD
XVXLFRUBUSD
XVXLFGBXUSD
XVXLFEURUSD
XVXLFCHFUSD
XVXLFCADUSD
XVXLFUSD
XWXLFRUBUSD
XWXLFGBXUSD
XWXLFEURUSD
XWXLFCHFUSD
XWXLFCADUSD
XWXLFUSD
XXXLFRUBUSD
XXXLFGBXUSD
XXXLFEURUSD
XXXLFCHFUSD
XXXLFCADUSD
XXXLFUSD
XYXLFCADUSD
XYXLFCHFUSD
XZXLFGBXUSD
XZXLFEURUSD
XZXLFCHFUSD
XZXLFCADUSD
XZXLFUSD
XZXLFRUBUSD
For serious comparison — full data holdings, percentiles, advanced risk, tilt, flows

Full holdings

As of 2026-08-18 · the fund's own published holdings.

#CompanyWeight
1BERKSHIRE HATHAWAY INC CL B11.9%
2JPMORGAN CHASE + CO11.8%
3VISA INC CLASS A SHARES7.3%
4MASTERCARD INC A5.6%
5BANK OF AMERICA CORP5.1%
6GOLDMAN SACHS GROUP INC3.7%
7WELLS FARGO + CO3.3%
8MORGAN STANLEY3.2%
9CITIGROUP INC2.8%
10AMERICAN EXPRESS CO2.2%
11SCHWAB (CHARLES) CORP2.2%
12BLACKROCK INC2.0%
13CAPITAL ONE FINANCIAL CORP1.7%
14CHUBB LTD1.5%
15PROGRESSIVE CORP1.5%
16S+P GLOBAL INC1.5%
17BANK OF NEW YORK MELLON CORP1.3%
18BLACKSTONE INC1.3%
19PNC FINANCIAL SERVICES GROUP1.2%
20US BANCORP1.2%
21CME GROUP INC1.2%
22MARSH + MCLENNAN COS1.1%
23INTERCONTINENTAL EXCHANGE IN1.0%
24TRAVELERS COS INC/THE1.0%
25AON PLC CLASS A0.9%
26ROBINHOOD MARKETS INC A0.9%
27MOODY S CORP0.9%
28KKR + CO INC0.9%
29ALLSTATE CORP0.8%
30ARTHUR J GALLAGHER + CO0.8%
31TRUIST FINANCIAL CORP0.8%
32APOLLO GLOBAL MANAGEMENT INC0.7%
33AFLAC INC0.7%
34METLIFE INC0.6%
35PAYPAL HOLDINGS INC0.6%
36FIFTH THIRD BANCORP0.6%
37STATE STREET CORP0.6%
38AMERIPRISE FINANCIAL INC0.6%
39NASDAQ INC0.5%
40PRUDENTIAL FINANCIAL INC0.5%
41BLOCK INC0.5%
42AMERICAN INTERNATIONAL GROUP0.5%
43MSCI INC0.5%
44INTERACTIVE BROKERS GRO CL A0.5%
45HARTFORD INSURANCE GROUP INC0.5%
46M + T BANK CORP0.5%
47HUNTINGTON BANCSHARES INC0.4%
48NORTHERN TRUST CORP0.4%
49ARCH CAPITAL GROUP LTD0.4%
50COINBASE GLOBAL INC CLASS A0.4%
51WILLIS TOWERS WATSON PLC0.4%
52RAYMOND JAMES FINANCIAL INC0.4%
53CITIZENS FINANCIAL GROUP0.4%
54CBOE GLOBAL MARKETS INC0.4%
55ARES MANAGEMENT CORP A0.4%
56FISERV INC0.3%
57CINCINNATI FINANCIAL CORP0.3%
58REGIONS FINANCIAL CORP0.3%
59SYNCHRONY FINANCIAL0.3%
60CORPAY INC0.3%
61T ROWE PRICE GROUP INC0.3%
62PRINCIPAL FINANCIAL GROUP0.3%
63FIDELITY NATIONAL INFO SERV0.3%
64KEYCORP0.3%
65BROWN + BROWN INC0.3%
66WR BERKLEY CORP0.3%
67GLOBAL PAYMENTS INC0.2%
68LOEWS CORP0.2%
69EVEREST GROUP LTD0.2%
70ASSURANT INC0.2%
71GLOBE LIFE INC0.2%
72INVESCO LTD0.2%
73JACK HENRY + ASSOCIATES INC0.1%
74SSI US GOV MONEY MARKET CLASS0.1%
75FACTSET RESEARCH SYSTEMS INC0.1%
76FRANKLIN RESOURCES INC0.1%
77ERIE INDEMNITY COMPANY CL A0.1%
78XAF FINANCIAL SEP260.0%
79POUND STERLING0.0%
80US DOLLAR0.0%

⭳ Download full holdings (CSV)

How it ranks vs peers

🪙 Cheaper than 82% of similar ETFs📈 Higher 1-yr return than 29%📈 Higher 3-yr return than 87%📈 Higher 5-yr return than 81%📊 Behind its category by 8.0% (1-yr) (category average +18.2%)📊 Beat its category by 7.0% (3-yr) (category average +12.4%)📊 Beat its category by 3.6% (5-yr) (category average +5.5%)

Versus the Equity (stocks) · Other · USD ETFs we track.

Advanced risk

1.74
Sortino (3y) ?
1.22
Calmar (3y) ?
10.3%
Downside deviation ?
50%
Up months (hit rate) ?
$58.26
52-week high ?
$47.81
52-week low ?

Concentration depth

~21 ?
Effective number of holdings

Roughly 80 companies are held, but the largest names carry most of the weight — so it behaves like ~21 equal-sized positions.

Similar funds

We found 6 funds that do much the same job as this one. To pick them we matched this fund's asset class and region, then show how close each match is below.

Matched on🌍 Other stocks
Compare side by side
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Why it's similarThis is the fund on this page.
StocksUnknownPhysical
Tracks a different index in the same category.
StocksUnknownPhysicalCheaper fee
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StocksPhysicalCheaper fee
Tracks a different index in the same category.
StocksPhysicalCheaper fee
Tracks a different index in the same category.
StocksUnknownPhysical
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StocksUnknownPhysical
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Index trackedFinancial Select Sector IndexTechnology Select Sector IndexFTSE Developed ex US Index® ® S&p® 500 Hdg® ® S&p® 500 Mxn HdgHealth Care Select Sector IndexEnergy Select Sector Index
Yearly fee (TER)0.08%0.08%0.03%0.05%0.05%0.08%0.08%
All-in cost0.00%0.00%0.00%0.06%0.06%0.00%0.00%
Fund size€49.2B€106.5B€56.1B€38.1B€37.9B€37.4B€35.8B
DomicileUnited StatesUnited StatesUnited StatesIrelandIrelandUnited StatesUnited States
ReplicationPhysical (full)Physical (full)Physical (full)Physical (full)Physical (full)Physical (full)Physical (full)
3-yr return p.a.+19.4%+31.3%+13.9%+8.3%+12.7%
5-yr return p.a.+9.1%+19.6%+6.7%+4.6%+22.6%
# holdings80761,4945055056324

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Data as of 2026-08-18 · Source: issuer data, compiled by Finance Hamster

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