XLFI vs. XLK
XLFI (State Street Financial Select Sector SPDR Premium Income ETF) and XLK (State Street Technology Select Sector SPDR ETF) are both exchange-traded funds - XLFI is a Derivative Income fund actively managed by State Street, while XLK is a Technology Equities fund tracking the S&P Technology Select Sector Daily Capped 35/20 Index. XLFI is actively managed, while XLK is passively managed. At a 0.27 correlation, their price movements are largely independent. XLFI charges 0.35%/yr vs 0.08%/yr for XLK.
Performance
XLFI vs. XLK - Performance Comparison
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Returns By Period
In the year-to-date period, XLFI achieves a 2.02% return, which is significantly lower than XLK's 24.25% return.
XLFI
- 1D
- -0.25%
- 1M
- 3.26%
- 6M
- 3.23%
- YTD
- 2.02%
- 1Y
- —
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- —
XLK
- 1D
- -1.01%
- 1M
- -3.12%
- 6M
- 23.47%
- YTD
- 24.25%
- 1Y
- 37.84%
- 3Y*
- 27.31%
- 5Y*
- 19.12%
- 10Y*
- 24.10%
- ALL TIME*
- 10.28%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $244.84K | $211.10K | $172.61K | |
| $1.41B | $1.77B | $2.19B |
XLFI vs. XLK - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLFI State Street Financial Select Sector SPDR Premium Income ETF | 2.02% | 5.40% |
XLK State Street Technology Select Sector SPDR ETF | 24.25% | 9.34% |
Correlation
The correlation between XLFI and XLK is 0.27, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025 | 0.27 |
XLFI vs. XLK - Sectors Allocation Comparison
Sectors
XLFI
XLK
Financial Services
-
Basic Materials
-
-
Communication Services
-
Consumer Cyclical
-
-
Consumer Defensive
-
-
Energy
-
Healthcare
-
-
Industrials
-
Real Estate
-
-
Technology
-
Utilities
-
-
Financial Services
XLFI
XLK
-
Basic Materials
XLFI
-
XLK
-
Communication Services
XLFI
-
XLK
Consumer Cyclical
XLFI
-
XLK
-
Consumer Defensive
XLFI
-
XLK
-
Energy
XLFI
-
XLK
Healthcare
XLFI
-
XLK
-
Industrials
XLFI
-
XLK
Real Estate
XLFI
-
XLK
-
Technology
XLFI
-
XLK
Utilities
XLFI
-
XLK
-
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Return for Risk
XLFI vs. XLK — Risk / Return Rank
XLFI
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
XLK
XLFI vs. XLK - 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 Technology Select Sector SPDR ETF (XLK). 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 | XLK | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | — | |
| Sortino ratioReturn per unit of downside risk | — | — | |
| Omega ratioGain probability vs. loss probability | — | 1.26 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 2.39 | — |
| Martin ratioReturn relative to average drawdown | — | 6.87 | — |
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Drawdowns
XLFI vs. XLK - Drawdown Comparison
The maximum XLFI drawdown since its inception was -11.89%, smaller than the maximum XLK drawdown of -82.05%. Use the drawdown chart below to compare losses from any high point for XLFI and XLK.
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Drawdown Indicators
| XLFI | XLK | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -11.89% | -82.05% | +70.16% |
Max Drawdown (1Y)Largest decline over 1 year | — | -15.92% | — |
Max Drawdown (3Y)Largest decline over 3 years | — | -25.66% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -33.56% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.56% | — |
Current DrawdownCurrent decline from peak | -0.81% | -9.86% | +9.05% |
Average DrawdownAverage peak-to-trough decline | -3.08% | -34.82% | +31.74% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | — | 5.53% | — |
Volatility
XLFI vs. XLK - Volatility Comparison
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Volatility by Period
| XLFI | XLK | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | — | 8.61% | — |
Volatility (6M)Calculated over the trailing 6-month period | — | 20.93% | — |
Volatility (1Y)Calculated over the trailing 1-year period | 11.86% | 24.72% | -12.86% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.86% | 25.60% | -13.74% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.86% | 24.81% | -12.95% |
XLFI vs. XLK - Expense Ratio Comparison
XLFI has a 0.35% expense ratio, which is higher than XLK's 0.08% expense ratio.
Dividends
XLFI vs. XLK - Dividend Comparison
XLFI's dividend yield for the trailing twelve months is around 11.42%, more than XLK's 0.44% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
XLFI State Street Financial Select Sector SPDR Premium Income ETF | 11.42% | 5.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
XLK State Street Technology Select Sector SPDR ETF | 0.44% | 0.54% | 0.66% | 0.76% | 1.04% | 0.65% | 0.92% | 1.16% | 1.60% | 1.37% | 1.74% | 1.79% |
Frequently Asked Questions
XLFI and XLK have a correlation of 0.27, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, XLK is cheaper at 0.08% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XLK is cheaper with a 0.08% expense ratio, compared with 0.35% for XLFI.
XLFI has the higher dividend yield at 11.42%, compared with 0.44% for XLK.
XLFI is categorized as Derivative Income, while XLK is Technology Equities. Their fees differ too: 0.35% for XLFI and 0.08% for XLK.
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