XLRI vs. XLU
XLRI (State Street Real Estate Select Sector SPDR Premium Income ETF) and XLU (State Street Utilities Select Sector SPDR ETF) are both exchange-traded funds - XLRI is a Derivative Income fund actively managed by State Street, while XLU is a Utilities Equities fund tracking the Utilities Select Sector Index. XLRI is actively managed, while XLU is passively managed. At a 0.48 correlation, their price movements are largely independent. XLRI charges 0.35%/yr vs 0.08%/yr for XLU.
Performance
XLRI vs. XLU - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with XLRI having a 8.15% return and XLU slightly lower at 7.94%.
XLRI
- 1D
- 1.45%
- 1M
- 1.08%
- 6M
- 5.94%
- YTD
- 8.15%
- 1Y
- —
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
XLU
- 1D
- 0.55%
- 1M
- 1.56%
- 6M
- 5.67%
- YTD
- 7.94%
- 1Y
- 13.95%
- 3Y*
- 14.63%
- 5Y*
- 9.79%
- 10Y*
- 9.12%
XLRI vs. XLU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF | 8.15% | -0.57% |
XLU State Street Utilities Select Sector SPDR ETF | 7.94% | 2.39% |
Correlation
The correlation between XLRI and XLU is 0.48, 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 | 0.48 |
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Return for Risk
XLRI vs. XLU — Risk / Return Rank
XLRI
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
XLU
XLRI vs. XLU - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI) and State Street Utilities Select Sector SPDR ETF (XLU). 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.
| XLRI | XLU | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | — | |
| Sortino ratioReturn per unit of downside risk | — | — | |
| Omega ratioGain probability vs. loss probability | — | 1.17 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 1.53 | — |
| Martin ratioReturn relative to average drawdown | — | 3.18 | — |
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Drawdowns
XLRI vs. XLU - Drawdown Comparison
The maximum XLRI drawdown since its inception was -7.12%, smaller than the maximum XLU drawdown of -51.98%. Use the drawdown chart below to compare losses from any high point for XLRI and XLU.
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Drawdown Indicators
| XLRI | XLU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -7.12% | -51.98% | +44.86% |
Max Drawdown (1Y)Largest decline over 1 year | — | -9.18% | — |
Max Drawdown (3Y)Largest decline over 3 years | — | -17.26% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -25.26% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -36.07% | — |
Current DrawdownCurrent decline from peak | 0.00% | -3.46% | +3.46% |
Average DrawdownAverage peak-to-trough decline | -1.60% | -10.20% | +8.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | — | 4.40% | — |
Volatility
XLRI vs. XLU - Volatility Comparison
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Volatility by Period
| XLRI | XLU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | — | 4.48% | — |
Volatility (6M)Calculated over the trailing 6-month period | — | 11.80% | — |
Volatility (1Y)Calculated over the trailing 1-year period | 11.25% | 14.90% | -3.65% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.25% | 17.34% | -6.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.25% | 19.28% | -8.03% |
XLRI vs. XLU - Expense Ratio Comparison
XLRI has a 0.35% expense ratio, which is higher than XLU's 0.08% expense ratio.
Dividends
XLRI vs. XLU - Dividend Comparison
XLRI's dividend yield for the trailing twelve months is around 13.56%, more than XLU's 2.63% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF | 13.56% | 6.85% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
XLU State Street Utilities Select Sector SPDR ETF | 2.63% | 2.71% | 2.96% | 3.39% | 2.92% | 2.79% | 3.14% | 2.95% | 3.33% | 3.33% | 3.41% | 3.67% |
Frequently Asked Questions
XLRI and XLU have a correlation of 0.48, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, XLU is cheaper at 0.08% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XLU is cheaper with a 0.08% expense ratio, compared with 0.35% for XLRI.
XLRI has the higher dividend yield at 13.56%, compared with 2.63% for XLU.
XLRI is categorized as Derivative Income, while XLU is Utilities Equities. Their fees differ too: 0.35% for XLRI and 0.08% for XLU.
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