TRUF vs. XLFI

Last updated Jul 18, 2026

TRUF (VanEck Financials TruSector ETF) and XLFI (State Street Financial Select Sector SPDR Premium Income ETF) are both exchange-traded funds - TRUF is a Financials Equities fund managed by VanEck, while XLFI is a Derivative Income fund actively managed by State Street. Their correlation of 0.95 suggests significant overlap in exposure. TRUF charges 0.10%/yr vs 0.35%/yr for XLFI.

Performance

TRUF vs. XLFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in VanEck Financials TruSector ETF (TRUF) 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

TRUF

• 1D: -0.75%
• 1M: 4.40%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

XLFI

• 1D: -0.50%
• 1M: 3.86%
• 6M: 2.74%
• YTD: 2.34%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

TRUF vs. XLFI - Yearly Performance Comparison

	2026 (YTD)
TRUF VanEck Financials TruSector ETF	15.11%
XLFI State Street Financial Select Sector SPDR Premium Income ETF	10.57%

Correlation

The correlation between TRUF and XLFI is 0.95, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since Apr 2, 2026	0.95

Return for Risk

TRUF vs. XLFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for VanEck Financials TruSector ETF (TRUF) 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.

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

Drawdowns

TRUF vs. XLFI - Drawdown Comparison

The maximum TRUF drawdown since its inception was -3.24%, smaller than the maximum XLFI drawdown of -11.89%. Use the drawdown chart below to compare losses from any high point for TRUF and XLFI.

Drawdown Indicators

	TRUF	XLFI	Difference
Max Drawdown Largest peak-to-trough decline	-3.24%	-11.89%	+8.65%
Current Drawdown Current decline from peak	-0.75%	-0.50%	-0.25%
Average Drawdown Average peak-to-trough decline	-1.07%	-3.12%	+2.05%

Volatility

Volatility by Period

	TRUF	XLFI	Difference
Volatility (1Y) Calculated over the trailing 1-year period	13.68%	11.95%	+1.73%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.68%	11.95%	+1.73%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	13.68%	11.95%	+1.73%

TRUF vs. XLFI - Expense Ratio Comparison

TRUF has a 0.10% expense ratio, which is lower than XLFI's 0.35% expense ratio.

Dividends

TRUF vs. XLFI - Dividend Comparison

TRUF's dividend yield for the trailing twelve months is around 0.36%, less than XLFI's 11.38% yield.

Position	TTM	2025
TRUF VanEck Financials TruSector ETF	0.36%	0.00%
XLFI State Street Financial Select Sector SPDR Premium Income ETF	11.38%	5.57%

Frequently Asked Questions

Can I hold both TRUF and XLFI in my portfolio?

With a correlation of 0.95, TRUF and XLFI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which ETF is better, TRUF or XLFI?

On fees, TRUF is cheaper at 0.10% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, TRUF or XLFI?

TRUF is cheaper with a 0.10% expense ratio, compared with 0.35% for XLFI.

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

XLFI has the higher dividend yield at 11.38%, compared with 0.36% for TRUF.

What is the main difference between TRUF and XLFI?

TRUF is categorized as Financials Equities, while XLFI is Derivative Income. They also come from different issuers: VanEck and State Street. Their fees differ too: 0.10% for TRUF and 0.35% for XLFI.