XLF vs XLK
XLF vs XLK · Last updated April 5, 2026
| Metric | XLF | XLK | |
|---|---|---|---|
| Price | $49.53 | $135.99 | — |
| Expense Ratio | 0.08% | 0.08% | — |
| Dividend Yield | N/A | N/A | — |
| AUM | $49.7B | $87.7B | XLK |
Performance Comparison
| Period | XLF | XLK |
|---|---|---|
| 1M | -2.82% | -2.87% |
| 3M | -11.30% | -5.85% |
| 6M | -7.00% | -4.21% |
| YTD | -9.10% | -5.43% |
| 1Y | +13.79% | +49.99% |
| 3Y | N/A | N/A |
| 5Y | N/A | N/A |
Dividend Comparison
| Ex-Date | Ticker | Amount |
|---|---|---|
| March 23, 2026 | XLF | $0.25 |
| March 23, 2026 | XLK | $0.17 |
| December 22, 2025 | XLF | $0.19 |
| December 22, 2025 | XLK | $0.22 |
| September 22, 2025 | XLF | $0.18 |
| September 22, 2025 | XLK | $0.18 |
| June 23, 2025 | XLF | $0.17 |
| June 23, 2025 | XLK | $0.20 |
| March 24, 2025 | XLF | $0.18 |
| March 24, 2025 | XLK | $0.19 |
| December 23, 2024 | XLF | $0.21 |
| December 23, 2024 | XLK | $0.19 |
| September 23, 2024 | XLF | $0.17 |
| September 23, 2024 | XLK | $0.20 |
| June 24, 2024 | XLF | $0.16 |
| June 24, 2024 | XLK | $0.20 |
| March 18, 2024 | XLF | $0.15 |
| March 18, 2024 | XLK | $0.17 |
| December 18, 2023 | XLF | $0.18 |
| December 18, 2023 | XLK | $0.21 |
Key Differences
XLF and XLK serve different roles in many portfolios. Understanding the specific differences in cost, performance, and risk profile can help clarify which fund aligns with different investment objectives.
Both XLF and XLK charge an expense ratio of 0.08%, making annual fund costs identical. On a $100,000 portfolio, both charge $80.00 per year in management fees.
In terms of fund size, XLK manages $87.7B compared to XLF's $49.7B. This size advantage typically means XLK has better liquidity, making it easier to trade large positions without significant price impact.
The data above reflects the most recent available information. Market conditions change frequently, and investors should verify current figures before making decisions.
How to Compare XLF and XLK
- If minimizing costs is a priority, compare the expense ratios: XLF charges 0.08% and XLK charges 0.08%.
- For liquidity, larger funds with higher AUM typically have tighter bid-ask spreads and more efficient trading.
- Review historical performance across different time periods (1-month to 5-year) to understand how each has performed in various market conditions.
Frequently Asked Questions
Is XLF or XLK a better investment?
Whether XLF or XLK is more suitable depends on your individual investment goals, risk tolerance, and time horizon. XLF and XLK differ in key metrics like expense ratio, dividend yield, and assets under management. This page provides objective data to help you compare the two.
What is the expense ratio difference between XLF and XLK?
XLF has an expense ratio of 0.08%, while XLK charges 0.08%. On a $10,000 investment, this 0.00% difference costs approximately $0.00 per year.
Which fund is larger, XLF or XLK?
XLK has $87.7B in assets under management, making it the larger fund. Larger funds tend to have better liquidity and tighter bid-ask spreads.
What are the risks of investing in XLF vs XLK?
Both XLF and XLK carry market risk — their values can decline during market downturns. Past performance does not guarantee future results. Consider factors like volatility, sector concentration, and your own risk tolerance when evaluating either investment.
See how expense ratio differences affect your returns over time → Expense Ratio Calculator