Financial
XLF — Financial Select Sector SPDR Fund
S&P 500 financial sector exposure.
- Annual return
- 9.50%
- Expense ratio
- 0.10%
- Volatility
- 23.40%
- Assets
- $45B+
What the fee actually costs
An expense ratio of 0.10% works out to about $100.00 a year on a $100,000.00 position. It is deducted from fund assets, so you never see an invoice — but it compounds against you every year you hold.
Against a reported 9.50% gross return, that leaves roughly 9.40% net of fund costs before tax and before any platform or brokerage charges.
Fund facts
- Provider
- State Street
- Benchmark
- Financial Select Sector Index
- Inception
- 1998-12-16
- Category
- Financial
- Figures as of
- December 31, 2024
Other Financial funds
| Fund | Return | Expense |
|---|---|---|
| VFHVanguard | 9.80% | 0.10% |
Frequently Asked Questions
XLF (Financial Select Sector SPDR Fund) tracks the Financial Select Sector Index. S&P 500 financial sector exposure. It is managed by State Street and launched on 1998-12-16.
XLF charges 0.10% per year. On a $100,000.00 position that is roughly $100.00 annually, deducted from fund assets rather than billed separately.
Reported annualised volatility is 23.40%. Higher volatility means wider swings in both directions; it is a measure of variability, not of expected loss.
Figures reported by State Street as of December 31, 2024. This page is not affiliated with or endorsed by State Street. Past performance does not predict future returns.