What is the expense ratio for XLF?

XLF (Financial Select Sector SPDR) has an annual expense ratio of 0.09%, issued by SPDR. This means for every $10,000 invested, you pay $9 per year in fund fees.

Is XLF a good ETF to buy?

Financial Select Sector SPDR suits investors seeking exposure to US Sectors. View the full analysis including performance score, tracking quality, diversification, and macro regime fit on Fisclear.

XLF — Financial Select Sector SPDR | Fisclear

Today

-0.63%

3 Month

+4.36%

YTD

-4.90%

1 Year

+3.48%

Price Chart

251 trading days · Use "Compare" tab to overlay other ETFs + regimes

Price History

Compare — add ETFs, toggle regime overlay

Base 100 = start of period

XLF

Technical Analysis

Technical Signals

Daily closes · 1-year data

ETF Structural Score

ETF Score evaluates fund wrapper quality, historical performance, and macro regime fit. Not financial advice.

Key Statistics

AUM

—

Expense Ratio

0.09%

Trailing Yield

—

Equity

—

Fixed Income

—

Issuer

SPDR

vs S&P 500 (SPY) — 1 Year

Beta

0.76

XLF moves roughly in line with the S&P 500. Beta near 1 = broad market tracking.

Correlation to SPY

0.63

Low correlation — moves more independently. Adding this alongside SPY reduces portfolio volatility.

Annualised Volatility

14.6%

Standard deviation of daily returns annualised. S&P 500 long-run avg ≈ 15%.

Relative Performance — XLF vs SPY (base 100)

Base: 100 (day 1)

XLF: 103.5

SPY: 124.7

Alpha: -21.2 (underperformed)

About XLF

Banks, insurers, and asset managers. Benefits from rising rates.

Macro Regime Alignment

Historical analysis of which macro regimes have favoured XLF. Based on the regime's characteristic interest rate environment, growth conditions, and sector rotation patterns.

Rate Hike Cycle

Fed Funds ↑↑ · Tightening

The Fed is raising rates aggressively. Duration gets crushed. Leveraged assets and growth stocks suffer most. Short-term bonds and cash finally earn yield.

Goldilocks

Growth ↑ · Inflation ↓

The ideal environment: expanding economy, inflation under control, central banks neutral or accommodative. Equities historically deliver their best returns here.

Inflationary Boom

Growth ↑ · Inflation ↑

Active now

The economy is growing but prices are running hot. Real assets and commodities shine. Growth stocks suffer as discount rates rise. The Fed is typically tightening.

Disclaimer: All data sourced from Yahoo Finance and is for informational purposes only. Holdings, sector weights, and AUM update daily but may lag official fund disclosures. Performance figures are price-based and do not include dividends. Regime alignment reflects historical observations and does not guarantee future returns. Nothing on this page constitutes investment advice. Always consult a qualified financial adviser before making investment decisions.