XLF vs. TRUF

Last updated Jul 17, 2026

XLF (State Street Financial Select Sector SPDR ETF) and TRUF (VanEck Financials TruSector ETF) are both Financials Equities funds. With a 0.97 correlation, they move nearly in lockstep. XLF charges 0.08%/yr vs 0.10%/yr for TRUF.

Performance

XLF vs. TRUF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in State Street Financial Select Sector SPDR ETF (XLF) and VanEck Financials TruSector ETF (TRUF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

XLF

• 1D: 0.34%
• 1M: 4.78%
• 6M: 5.28%
• YTD: 4.51%
• 1Y: 10.81%
• 3Y*: 19.83%
• 5Y*: 11.37%
• 10Y*: 13.55%

TRUF

• 1D: 0.28%
• 1M: 4.66%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

XLF vs. TRUF - Yearly Performance Comparison

	2026 (YTD)
XLF State Street Financial Select Sector SPDR ETF	15.19%
TRUF VanEck Financials TruSector ETF	15.99%

Correlation

The correlation between XLF and TRUF is 0.97 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (All Time) Calculated using the full available price history since Apr 2, 2026	0.98

Return for Risk

XLF vs. TRUF — Risk / Return Rank

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

XLF

XLF Risk / Return Rank: 22
XLF Sharpe Ratio Rank: 25
XLF Sortino Ratio Rank: 23
XLF Omega Ratio Rank: 23
XLF Calmar Ratio Rank: 20
XLF Martin Ratio Rank: 20

TRUF

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.

XLF vs. TRUF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Financial Select Sector SPDR ETF (XLF) and VanEck Financials TruSector ETF (TRUF). 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.

	XLF	TRUF	Difference
Sharpe ratio: Return per unit of total volatility	0.74	—	—
Sortino ratio: Return per unit of downside risk	1.09	—	—
Omega ratio: Gain probability vs. loss probability	1.14	—	—
Calmar ratio: Return relative to maximum drawdown	0.73	—	—
Martin ratio: Return relative to average drawdown	1.86	—	—

Drawdowns

XLF vs. TRUF - Drawdown Comparison

The maximum XLF drawdown since its inception was -82.69%, which is greater than TRUF's maximum drawdown of -3.24%. Use the drawdown chart below to compare losses from any high point for XLF and TRUF.

Drawdown Indicators

	XLF	TRUF	Difference
Max Drawdown Largest peak-to-trough decline	-82.69%	-3.24%	-79.45%
Max Drawdown (1Y) Largest decline over 1 year	-14.79%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-15.54%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-25.81%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-42.86%	—	—
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-19.95%	-1.07%	-18.88%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.81%	—	—

Volatility

Volatility by Period

	XLF	TRUF	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.13%	—	—
Volatility (6M) Calculated over the trailing 6-month period	11.24%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	14.64%	13.66%	+0.98%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	18.52%	13.66%	+4.86%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	22.06%	13.66%	+8.40%

XLF vs. TRUF - Expense Ratio Comparison

XLF has a 0.08% expense ratio, which is lower than TRUF's 0.10% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

XLF vs. TRUF - Dividend Comparison

XLF's dividend yield for the trailing twelve months is around 1.42%, more than TRUF's 0.36% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TRUF VanEck Financials TruSector ETF	0.36%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
XLF State Street Financial Select Sector SPDR ETF	1.42%	1.31%	1.42%	1.71%	2.04%	1.63%	2.03%	1.87%	2.08%	1.48%	21.10%	1.95%

Frequently Asked Questions

Can I hold both XLF and TRUF in my portfolio?

With a correlation of 0.97, XLF and TRUF 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, XLF or TRUF?

On fees, XLF is cheaper at 0.08% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, XLF or TRUF?

XLF is cheaper with a 0.08% expense ratio, compared with 0.10% for TRUF.

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

XLF has the higher dividend yield at 1.42%, compared with 0.36% for TRUF.

What is the main difference between XLF and TRUF?

They also come from different issuers: State Street and VanEck. Their fees differ too: 0.08% for XLF and 0.10% for TRUF.