XLFI vs. SPYD
XLFI (State Street Financial Select Sector SPDR Premium Income ETF) and SPYD (State Street SPDR Portfolio S&P 500 High Dividend ETF) are both exchange-traded funds - XLFI is a Derivative Income fund actively managed by State Street, while SPYD is a S&P 500 fund tracking the S&P 500 High Dividend Index. XLFI is actively managed, while SPYD is passively managed. A 0.50 correlation means they provide meaningful diversification when combined. XLFI charges 0.35%/yr vs 0.07%/yr for SPYD.
Performance
XLFI vs. SPYD - Performance Comparison
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Returns By Period
In the year-to-date period, XLFI achieves a 1.06% return, which is significantly lower than SPYD's 14.40% return.
XLFI
- 1D
- 0.94%
- 1M
- 6.35%
- 6M
- 0.96%
- YTD
- 1.06%
- 1Y
- —
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
SPYD
- 1D
- 1.02%
- 1M
- 3.68%
- 6M
- 13.46%
- YTD
- 14.40%
- 1Y
- 16.45%
- 3Y*
- 14.04%
- 5Y*
- 8.40%
- 10Y*
- 8.67%
XLFI vs. SPYD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLFI State Street Financial Select Sector SPDR Premium Income ETF | 1.06% | 5.40% |
SPYD State Street SPDR Portfolio S&P 500 High Dividend ETF | 14.40% | 1.23% |
Correlation
The correlation between XLFI and SPYD is 0.50, 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 | 0.50 |
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Return for Risk
XLFI vs. SPYD — Risk / Return Rank
XLFI
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
SPYD
XLFI vs. SPYD - 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 State Street SPDR Portfolio S&P 500 High Dividend ETF (SPYD). 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.
| XLFI | SPYD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | — | |
| Sortino ratioReturn per unit of downside risk | — | — | |
| Omega ratioGain probability vs. loss probability | — | 1.24 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 2.37 | — |
| Martin ratioReturn relative to average drawdown | — | 6.82 | — |
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Drawdowns
XLFI vs. SPYD - Drawdown Comparison
The maximum XLFI drawdown since its inception was -11.89%, smaller than the maximum SPYD drawdown of -46.42%. Use the drawdown chart below to compare losses from any high point for XLFI and SPYD.
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Drawdown Indicators
| XLFI | SPYD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -11.89% | -46.42% | +34.53% |
Max Drawdown (1Y)Largest decline over 1 year | — | -7.05% | — |
Max Drawdown (3Y)Largest decline over 3 years | — | -16.13% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -22.25% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -46.42% | — |
Current DrawdownCurrent decline from peak | -0.62% | -0.37% | -0.25% |
Average DrawdownAverage peak-to-trough decline | -3.24% | -6.13% | +2.89% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | — | 2.45% | — |
Volatility
XLFI vs. SPYD - Volatility Comparison
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Volatility by Period
| XLFI | SPYD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | — | 4.04% | — |
Volatility (6M)Calculated over the trailing 6-month period | — | 8.28% | — |
Volatility (1Y)Calculated over the trailing 1-year period | 12.05% | 11.82% | +0.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.05% | 16.07% | -4.02% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.05% | 19.76% | -7.71% |
XLFI vs. SPYD - Expense Ratio Comparison
XLFI has a 0.35% expense ratio, which is higher than SPYD's 0.07% expense ratio.
Dividends
XLFI vs. SPYD - Dividend Comparison
XLFI's dividend yield for the trailing twelve months is around 11.52%, more than SPYD's 4.19% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SPYD State Street SPDR Portfolio S&P 500 High Dividend ETF | 4.19% | 4.52% | 4.31% | 4.66% | 5.01% | 3.68% | 4.95% | 4.42% | 4.75% | 4.63% | 4.34% | 1.13% |
XLFI State Street Financial Select Sector SPDR Premium Income ETF | 11.52% | 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
XLFI and SPYD have a correlation of 0.50, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, SPYD is cheaper at 0.07% per year. The better choice depends on whether you care most about return, fees, risk, or income.
SPYD is cheaper with a 0.07% expense ratio, compared with 0.35% for XLFI.
XLFI has the higher dividend yield at 11.52%, compared with 4.19% for SPYD.
XLFI is categorized as Derivative Income, while SPYD is S&P 500. Their fees differ too: 0.35% for XLFI and 0.07% for SPYD.
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