KIE vs. XLFI

Last updated Jul 17, 2026

KIE (SPDR S&P Insurance ETF) and XLFI (State Street Financial Select Sector SPDR Premium Income ETF) are both exchange-traded funds - KIE is a Financials Equities fund tracking the S&P Insurance Select Industry Index, while XLFI is a Derivative Income fund actively managed by State Street. KIE is passively managed, while XLFI is actively managed. A 0.63 correlation means they provide meaningful diversification when combined. Both charge a 0.35% expense ratio.

Performance

KIE vs. XLFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SPDR S&P Insurance ETF (KIE) and State Street Financial Select Sector SPDR Premium Income ETF (XLFI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, KIE achieves a 6.45% return, which is significantly higher than XLFI's 2.85% return.

KIE

• 1D: 2.16%
• 1M: 8.36%
• 6M: 8.66%
• YTD: 6.45%
• 1Y: 12.81%
• 3Y*: 17.15%
• 5Y*: 12.85%
• 10Y*: 12.28%

XLFI

• 1D: 0.37%
• 1M: 3.86%
• 6M: 3.40%
• YTD: 2.85%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

KIE vs. XLFI - Yearly Performance Comparison

	2026 (YTD)	2025
KIE SPDR S&P Insurance ETF	6.45%	6.89%
XLFI State Street Financial Select Sector SPDR Premium Income ETF	2.85%	5.40%

Correlation

The correlation between KIE and XLFI is 0.63, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025	0.63

KIE vs. XLFI - Sectors Allocation Comparison

Sectors	KIE	XLFI
Financial Services	96.9%	99.9%
Healthcare	3.1%	-
Basic Materials	-	-
Communication Services	-	-
Consumer Cyclical	-	-
Consumer Defensive	-	-
Energy	-	-
Industrials	-	-
Real Estate	-	-
Technology	-	-
Utilities	-	-

Return for Risk

KIE vs. XLFI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

KIE

KIE Risk / Return Rank: 26
KIE Sharpe Ratio Rank: 26
KIE Sortino Ratio Rank: 26
KIE Omega Ratio Rank: 24
KIE Calmar Ratio Rank: 27
KIE Martin Ratio Rank: 26

XLFI

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

KIE vs. XLFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SPDR S&P Insurance ETF (KIE) and State Street Financial Select Sector SPDR Premium Income ETF (XLFI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	KIE	XLFI	Difference
Sharpe ratio: Return per unit of total volatility	0.77	—	—
Sortino ratio: Return per unit of downside risk	1.19	—	—
Omega ratio: Gain probability vs. loss probability	1.14	—	—
Calmar ratio: Return relative to maximum drawdown	1.09	—	—
Martin ratio: Return relative to average drawdown	2.72	—	—

Drawdowns

KIE vs. XLFI - Drawdown Comparison

The maximum KIE drawdown since its inception was -75.30%, which is greater than XLFI's maximum drawdown of -11.89%. Use the drawdown chart below to compare losses from any high point for KIE and XLFI.

Drawdown Indicators

	KIE	XLFI	Difference
Max Drawdown Largest peak-to-trough decline	-75.30%	-11.89%	-63.41%
Max Drawdown (1Y) Largest decline over 1 year	-11.81%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-12.65%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-15.68%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-44.31%	—	—
Current Drawdown Current decline from peak	-1.54%	0.00%	-1.54%
Average Drawdown Average peak-to-trough decline	-11.99%	-3.13%	-8.86%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.72%	—	—

Volatility

Volatility by Period

	KIE	XLFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.80%	—	—
Volatility (6M) Calculated over the trailing 6-month period	12.94%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	16.86%	11.96%	+4.90%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	18.46%	11.96%	+6.50%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	21.17%	11.96%	+9.21%

KIE vs. XLFI - Expense Ratio Comparison

Both KIE and XLFI have an expense ratio of 0.35%.

Dividends

KIE vs. XLFI - Dividend Comparison

KIE's dividend yield for the trailing twelve months is around 1.54%, less than XLFI's 11.32% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
KIE SPDR S&P Insurance ETF	1.54%	1.57%	1.48%	1.45%	1.90%	1.95%	1.85%	1.76%	1.83%	1.56%	1.55%	1.65%
XLFI State Street Financial Select Sector SPDR Premium Income ETF	11.32%	5.57%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both KIE and XLFI in my portfolio?

KIE and XLFI have a correlation of 0.63, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, KIE or XLFI?

Both ETFs have the same 0.35% expense ratio. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, KIE or XLFI?

KIE and XLFI have the same expense ratio: 0.35% per year.

Which ETF pays a higher dividend yield, KIE or XLFI?

XLFI has the higher dividend yield at 11.32%, compared with 1.54% for KIE.

What is the main difference between KIE and XLFI?

KIE is categorized as Financials Equities, while XLFI is Derivative Income.