XLU vs. FSTA

Last updated Jun 14, 2026

XLU (State Street Utilities Select Sector SPDR ETF) and FSTA (Fidelity MSCI Consumer Staples Index ETF) are both exchange-traded funds - XLU is a Utilities Equities fund tracking the Utilities Select Sector Index, while FSTA is a Consumer Staples Equities fund tracking the MSCI USA IMI Consumer Staples Index. Both are passively managed. Over the past 10 years, XLU returned 9.20%/yr vs 8.01%/yr for FSTA. A 0.56 correlation means they provide meaningful diversification when combined. Both charge a 0.08% expense ratio.

Performance

XLU vs. FSTA - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in State Street Utilities Select Sector SPDR ETF (XLU) and Fidelity MSCI Consumer Staples Index ETF (FSTA). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, XLU achieves a 5.04% return, which is significantly lower than FSTA's 10.62% return. Over the past 10 years, XLU has outperformed FSTA with an annualized return of 9.20%, while FSTA has yielded a comparatively lower 8.01% annualized return.

XLU

• 1D: 1.09%
• 1M: 1.50%
• YTD: 5.04%
• 6M: 5.48%
• 1Y: 12.50%
• 3Y*: 13.79%
• 5Y*: 9.41%
• 10Y*: 9.20%

FSTA

• 1D: 0.69%
• 1M: 0.50%
• YTD: 10.62%
• 6M: 8.66%
• 1Y: 8.41%
• 3Y*: 8.97%
• 5Y*: 7.07%
• 10Y*: 8.01%

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

XLU vs. FSTA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
XLU State Street Utilities Select Sector SPDR ETF	5.04%	16.03%	23.31%	-7.18%	1.44%	17.70%	0.51%	25.93%	3.94%	12.05%
FSTA Fidelity MSCI Consumer Staples Index ETF	10.62%	1.82%	13.31%	2.29%	-1.72%	17.44%	10.96%	26.84%	-8.49%	12.71%

Correlation

The correlation between XLU and FSTA is 0.34, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.34
Correlation (3Y) Calculated over the trailing 3-year period	0.47
Correlation (5Y) Calculated over the trailing 5-year period	0.56
Correlation (10Y) Calculated over the trailing 10-year period	0.57
Correlation (All Time) Calculated using the full available price history since Oct 24, 2013	0.56

Over the past year, the correlation between XLU and FSTA has dropped to 0.34 - well below their long-term average of 0.56, suggesting their price drivers have been diverging.

XLU vs. FSTA - Sectors Allocation Comparison

Sectors	XLU	FSTA
Utilities	100.0%	-
Basic Materials	-	0.3%
Communication Services	-	-
Consumer Cyclical	-	1.7%
Consumer Defensive	-	97.6%
Energy	-	-
Financial Services	-	-
Healthcare	-	0.0%
Industrials	-	0.3%
Real Estate	-	-
Technology	-	-

Return for Risk

XLU vs. FSTA — Risk / Return Rank

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

XLU

XLU Risk / Return Rank: 26
XLU Sharpe Ratio Rank: 26
XLU Sortino Ratio Rank: 24
XLU Omega Ratio Rank: 24
XLU Calmar Ratio Rank: 30
XLU Martin Ratio Rank: 24

FSTA

FSTA Risk / Return Rank: 19
FSTA Sharpe Ratio Rank: 20
FSTA Sortino Ratio Rank: 19
FSTA Omega Ratio Rank: 18
FSTA Calmar Ratio Rank: 20
FSTA Martin Ratio Rank: 18

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.

XLU vs. FSTA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Utilities Select Sector SPDR ETF (XLU) and Fidelity MSCI Consumer Staples Index ETF (FSTA). 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.

	XLU	FSTA	Difference
Sharpe ratio: Return per unit of total volatility	0.81	0.57	+0.24
Sortino ratio: Return per unit of downside risk	1.18	0.91	+0.27
Omega ratio: Gain probability vs. loss probability	1.15	1.10	+0.04
Calmar ratio: Return relative to maximum drawdown	1.30	0.78	+0.52
Martin ratio: Return relative to average drawdown	2.80	1.56	+1.24

XLU vs. FSTA - Sharpe Ratio Comparison

The current XLU Sharpe Ratio is 0.81, which is higher than the FSTA Sharpe Ratio of 0.57. The chart below compares the historical Sharpe Ratios of XLU and FSTA, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

XLU vs. FSTA - Drawdown Comparison

The maximum XLU drawdown since its inception was -51.98%, which is greater than FSTA's maximum drawdown of -25.13%. Use the drawdown chart below to compare losses from any high point for XLU and FSTA.

Drawdown Indicators

	XLU	FSTA	Difference
Max Drawdown Largest peak-to-trough decline	-51.98%	-25.13%	-26.85%
Max Drawdown (1Y) Largest decline over 1 year	-9.18%	-9.29%	+0.11%
Max Drawdown (3Y) Largest decline over 3 years	-17.26%	-11.76%	-5.50%
Max Drawdown (5Y) Largest decline over 5 years	-25.26%	-16.58%	-8.68%
Max Drawdown (10Y) Largest decline over 10 years	-36.07%	-25.13%	-10.94%
Current Drawdown Current decline from peak	-6.05%	-4.38%	-1.67%
Average Drawdown Average peak-to-trough decline	-10.22%	-3.56%	-6.66%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.25%	4.62%	-0.37%

Volatility

XLU vs. FSTA - Volatility Comparison

State Street Utilities Select Sector SPDR ETF (XLU) has a higher volatility of 5.59% compared to Fidelity MSCI Consumer Staples Index ETF (FSTA) at 4.62%. This indicates that XLU's price experiences larger fluctuations and is considered to be riskier than FSTA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	XLU	FSTA	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.59%	4.62%	+0.97%
Volatility (6M) Calculated over the trailing 6-month period	11.68%	10.03%	+1.65%
Volatility (1Y) Calculated over the trailing 1-year period	14.66%	12.58%	+2.08%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	17.34%	13.15%	+4.19%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	19.27%	14.57%	+4.70%

XLU vs. FSTA - Expense Ratio Comparison

Both XLU and FSTA have an expense ratio of 0.08%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.

Dividends

XLU vs. FSTA - Dividend Comparison

XLU's dividend yield for the trailing twelve months is around 2.67%, more than FSTA's 2.15% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FSTA Fidelity MSCI Consumer Staples Index ETF	2.15%	2.34%	2.25%	2.66%	2.26%	2.15%	2.47%	2.46%	3.01%	2.42%	2.53%	2.86%
XLU State Street Utilities Select Sector SPDR ETF	2.67%	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

Can I hold both XLU and FSTA in my portfolio?

XLU and FSTA have a correlation of 0.34, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, XLU or FSTA?

XLU has higher volatility (5.59%) compared to FSTA (4.62%). In terms of maximum drawdown, XLU dropped -51.98% vs FSTA's -25.13%.

Which ETF is better, XLU or FSTA?

On 10-year performance, XLU leads with 9.20% vs 8.01% for FSTA. Both ETFs have the same 0.08% expense ratio. On volatility, FSTA has been the lower-risk option at 4.62%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, XLU or FSTA?

Over the 10-year period, XLU has performed better with a 9.20% return vs 8.01%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, XLU or FSTA?

XLU and FSTA have the same expense ratio: 0.08% per year.

Which ETF pays a higher dividend yield, XLU or FSTA?

XLU has the higher dividend yield at 2.67%, compared with 2.15% for FSTA.

What is the main difference between XLU and FSTA?

XLU is categorized as Utilities Equities, while FSTA is Consumer Staples Equities. XLU tracks Utilities Select Sector Index, while FSTA tracks MSCI USA IMI Consumer Staples Index. They also come from different issuers: State Street and Fidelity.

Which has better risk-adjusted returns?

XLU currently has the higher Sharpe Ratio (0.81 vs 0.57), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.