XLKI vs. XLF

Last updated Jun 4, 2026

XLKI (State Street Technology Select Sector SPDR Premium Income ETF) and XLF (State Street Financial Select Sector SPDR ETF) are both exchange-traded funds - XLKI is a Technology Equities fund actively managed by State Street, while XLF is a Financials Equities fund tracking the Financial Select Sector Index. XLKI is actively managed, while XLF is passively managed. At a 0.38 correlation, their price movements are largely independent. XLKI charges 0.35%/yr vs 0.08%/yr for XLF.

Performance

XLKI vs. XLF - Performance Comparison

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

Returns By Period

In the year-to-date period, XLKI achieves a 17.94% return, which is significantly higher than XLF's -6.64% return.

XLKI

• 1D: -0.60%
• 1M: 7.65%
• YTD: 17.94%
• 6M: 17.68%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

XLF

• 1D: -1.15%
• 1M: -1.38%
• YTD: -6.64%
• 6M: -4.18%
• 1Y: 1.13%
• 3Y*: 17.64%
• 5Y*: 7.61%
• 10Y*: 12.38%

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

XLKI vs. XLF - Yearly Performance Comparison

	2026 (YTD)	2025
XLKI State Street Technology Select Sector SPDR Premium Income ETF	17.94%	10.07%
XLF State Street Financial Select Sector SPDR ETF	-6.64%	4.63%

Correlation

The correlation between XLKI and XLF is 0.38, 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 31, 2025	0.38

XLKI vs. XLF - Sectors Allocation Comparison

Sectors	XLKI	XLF
Financial Services	106.8%	98.0%
Basic Materials	-	-
Communication Services	-	-
Consumer Cyclical	-	-
Consumer Defensive	-	-
Energy	-	-
Healthcare	-	-
Industrials	-	0.2%
Real Estate	-	-
Technology	-	1.8%
Utilities	-	-

Return for Risk

XLKI vs. XLF — Risk / Return Rank

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

XLF

XLF Risk / Return Rank: 9
XLF Sharpe Ratio Rank: 9
XLF Sortino Ratio Rank: 9
XLF Omega Ratio Rank: 9
XLF Calmar Ratio Rank: 9
XLF Martin Ratio Rank: 9

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.

XLKI vs. XLF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Technology Select Sector SPDR Premium Income ETF (XLKI) and State Street Financial Select Sector SPDR ETF (XLF). 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.

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

Sharpe Ratios by Period

	XLKI	XLF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.08	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.41	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.56	—
Sharpe Ratio (All Time) Calculated using the full available price history	2.24	0.20	+2.04

Drawdowns

XLKI vs. XLF - Drawdown Comparison

The maximum XLKI drawdown since its inception was -10.24%, smaller than the maximum XLF drawdown of -82.69%. Use the drawdown chart below to compare losses from any high point for XLKI and XLF.

Drawdown Indicators

	XLKI	XLF	Difference
Max Drawdown Largest peak-to-trough decline	-10.24%	-82.69%	+72.45%
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	-0.60%	-9.34%	+8.74%
Average Drawdown Average peak-to-trough decline	-1.61%	-20.03%	+18.42%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	5.66%	—

Volatility

Volatility by Period

	XLKI	XLF	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	3.29%	—
Volatility (6M) Calculated over the trailing 6-month period	—	10.94%	—
Volatility (1Y) Calculated over the trailing 1-year period	16.24%	14.41%	+1.83%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.24%	18.63%	-2.39%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.24%	22.16%	-5.92%

XLKI vs. XLF - Expense Ratio Comparison

XLKI has a 0.35% expense ratio, which is higher than XLF's 0.08% expense ratio.

Dividends

XLKI vs. XLF - Dividend Comparison

XLKI's dividend yield for the trailing twelve months is around 14.18%, more than XLF's 1.56% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
XLF State Street Financial Select Sector SPDR ETF	1.56%	1.31%	1.42%	1.71%	2.04%	1.63%	2.03%	1.87%	2.08%	1.48%	21.10%	1.95%
XLKI State Street Technology Select Sector SPDR Premium Income ETF	14.18%	8.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both XLKI and XLF in my portfolio?

XLKI and XLF have a correlation of 0.38, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, XLKI or XLF?

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, XLKI or XLF?

XLF is cheaper with a 0.08% expense ratio, compared with 0.35% for XLKI.

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

XLKI has the higher dividend yield at 14.18%, compared with 1.56% for XLF.

What is the main difference between XLKI and XLF?

XLKI is categorized as Technology Equities, while XLF is Financials Equities. Their fees differ too: 0.35% for XLKI and 0.08% for XLF.