XLFI vs. FINY

Last updated Jul 24, 2026

XLFI (State Street Financial Select Sector SPDR Premium Income ETF) and FINY (GraniteShares YieldBOOST Financials ETF) are both Derivative Income funds. Both are actively managed. A 0.69 correlation means they provide meaningful diversification when combined. XLFI charges 0.35%/yr vs 1.07%/yr for FINY.

Performance

XLFI vs. FINY - Performance Comparison

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

Returns By Period

XLFI

• 1D: -0.25%
• 1M: 3.26%
• 6M: 3.23%
• YTD: 2.02%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

FINY

• 1D: -0.07%
• 1M: 2.45%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

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

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
FINY GraniteShares YieldBOOST Financials ETF	$9.51K	$17.82K	$23.26K
XLFI State Street Financial Select Sector SPDR Premium Income ETF	$244.84K	$211.10K	$172.61K

XLFI vs. FINY - Yearly Performance Comparison

	2026 (YTD)
XLFI State Street Financial Select Sector SPDR Premium Income ETF	6.63%
FINY GraniteShares YieldBOOST Financials ETF	6.68%

Correlation

The correlation between XLFI and FINY is 0.69, 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 May 5, 2026	0.69

Return for Risk

XLFI vs. FINY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Financial Select Sector SPDR Premium Income ETF (XLFI) and GraniteShares YieldBOOST Financials ETF (FINY). 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

XLFI vs. FINY - Drawdown Comparison

The maximum XLFI drawdown since its inception was -11.89%, which is greater than FINY's maximum drawdown of -1.85%. Use the drawdown chart below to compare losses from any high point for XLFI and FINY.

Drawdown Indicators

	XLFI	FINY	Difference
Max Drawdown Largest peak-to-trough decline	-11.89%	-1.85%	-10.04%
Current Drawdown Current decline from peak	-0.81%	-0.16%	-0.65%
Average Drawdown Average peak-to-trough decline	-3.08%	-0.10%	-2.98%

Volatility

Volatility by Period

	XLFI	FINY	Difference
Volatility (1Y) Calculated over the trailing 1-year period	11.86%	6.43%	+5.43%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	11.86%	6.43%	+5.43%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	11.86%	6.43%	+5.43%

XLFI vs. FINY - Expense Ratio Comparison

XLFI has a 0.35% expense ratio, which is lower than FINY's 1.07% expense ratio.

Dividends

XLFI vs. FINY - Dividend Comparison

XLFI's dividend yield for the trailing twelve months is around 11.42%, more than FINY's 5.09% yield.

Position	TTM	2025
FINY GraniteShares YieldBOOST Financials ETF	5.09%	0.00%
XLFI State Street Financial Select Sector SPDR Premium Income ETF	11.42%	5.57%

Frequently Asked Questions

Can I hold both XLFI and FINY in my portfolio?

XLFI and FINY have a correlation of 0.69, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, XLFI or FINY?

On fees, XLFI is cheaper at 0.35% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, XLFI or FINY?

XLFI is cheaper with a 0.35% expense ratio, compared with 1.07% for FINY.

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

XLFI has the higher dividend yield at 11.42%, compared with 5.09% for FINY.

What is the main difference between XLFI and FINY?

They also come from different issuers: State Street and GraniteShares. Their fees differ too: 0.35% for XLFI and 1.07% for FINY.