XUFN.DE vs. ZPDF.DE
XUFN.DE (Xtrackers MSCI USA Financials UCITS ETF 1D) and ZPDF.DE (SPDR S&P US Financials Select Sector UCITS ETF) are both Financials Equities funds - XUFN.DE tracks the MSCI USA Financials while ZPDF.DE tracks the S&P Financials Select Sector. Both are passively managed. Over the past 5 years, XUFN.DE returned 9.47%/yr vs 9.00%/yr for ZPDF.DE. With a 0.99 correlation, they move nearly in lockstep. XUFN.DE charges 0.12%/yr vs 0.15%/yr for ZPDF.DE.
Performance
XUFN.DE vs. ZPDF.DE - Performance Comparison
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Returns By Period
In the year-to-date period, XUFN.DE achieves a -4.69% return, which is significantly lower than ZPDF.DE's -4.18% return.
XUFN.DE
- 1D
- 3.20%
- 1M
- 1.29%
- YTD
- -4.69%
- 6M
- -2.50%
- 1Y
- 2.59%
- 3Y*
- 16.27%
- 5Y*
- 9.47%
- 10Y*
- —
ZPDF.DE
- 1D
- 3.08%
- 1M
- 1.47%
- YTD
- -4.18%
- 6M
- -2.10%
- 1Y
- 2.43%
- 3Y*
- 15.32%
- 5Y*
- 9.00%
- 10Y*
- 11.95%
XUFN.DE vs. ZPDF.DE - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
XUFN.DE Xtrackers MSCI USA Financials UCITS ETF 1D | -4.69% | 3.41% | 38.69% | 10.96% | -7.89% | 49.37% | -12.55% | 36.23% | -11.22% | 14.21% |
ZPDF.DE SPDR S&P US Financials Select Sector UCITS ETF | -4.18% | 3.01% | 37.12% | 8.46% | -6.12% | 48.31% | -12.18% | 35.27% | -10.30% | 13.95% |
Correlation
The correlation between XUFN.DE and ZPDF.DE is 0.99 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.99 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.99 |
Correlation (All Time) Calculated using the full available price history since Sep 18, 2017 | 0.99 |
The correlation between XUFN.DE and ZPDF.DE has been stable across timeframes, ranging from 0.99 to 0.99 - a consistent structural relationship.
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Return for Risk
XUFN.DE vs. ZPDF.DE — Risk / Return Rank
XUFN.DE
ZPDF.DE
XUFN.DE vs. ZPDF.DE - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Xtrackers MSCI USA Financials UCITS ETF 1D (XUFN.DE) and SPDR S&P US Financials Select Sector UCITS ETF (ZPDF.DE). 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.
| XUFN.DE | ZPDF.DE | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 0.00 | ||
| Sortino ratioReturn per unit of downside risk | 0.00 | ||
| Omega ratioGain probability vs. loss probability | 1.03 | 1.03 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 0.14 | 0.14 | 0.00 |
| Martin ratioReturn relative to average drawdown | 0.33 | 0.33 | 0.00 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| XUFN.DE | ZPDF.DE | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.13 | 0.12 | 0.00 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.49 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.58 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.48 | +0.04 |
Drawdowns
XUFN.DE vs. ZPDF.DE - Drawdown Comparison
The maximum XUFN.DE drawdown since its inception was -43.39%, roughly equal to the maximum ZPDF.DE drawdown of -42.38%. Use the drawdown chart below to compare losses from any high point for XUFN.DE and ZPDF.DE.
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Drawdown Indicators
| XUFN.DE | ZPDF.DE | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -43.39% | -42.38% | -1.01% |
Max Drawdown (1Y)Largest decline over 1 year | -13.24% | -12.75% | -0.49% |
Max Drawdown (3Y)Largest decline over 3 years | -23.03% | -21.67% | -1.36% |
Max Drawdown (5Y)Largest decline over 5 years | -23.03% | -21.67% | -1.36% |
Max Drawdown (10Y)Largest decline over 10 years | — | -42.38% | — |
Current DrawdownCurrent decline from peak | -9.49% | -9.42% | -0.07% |
Average DrawdownAverage peak-to-trough decline | -7.81% | -7.77% | -0.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.77% | 5.55% | +0.22% |
Volatility
XUFN.DE vs. ZPDF.DE - Volatility Comparison
Xtrackers MSCI USA Financials UCITS ETF 1D (XUFN.DE) and SPDR S&P US Financials Select Sector UCITS ETF (ZPDF.DE) have volatilities of 4.40% and 4.24%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XUFN.DE | ZPDF.DE | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.40% | 4.24% | +0.16% |
Volatility (6M)Calculated over the trailing 6-month period | 10.85% | 10.54% | +0.31% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.00% | 14.67% | +0.33% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.60% | 18.20% | +0.40% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.59% | 21.18% | +0.41% |
XUFN.DE vs. ZPDF.DE - Expense Ratio Comparison
XUFN.DE has a 0.12% expense ratio, which is lower than ZPDF.DE's 0.15% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
XUFN.DE vs. ZPDF.DE - Dividend Comparison
XUFN.DE's dividend yield for the trailing twelve months is around 1.15%, while ZPDF.DE has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
XUFN.DE Xtrackers MSCI USA Financials UCITS ETF 1D | 1.15% | 1.17% | 1.08% | 1.66% | 2.69% | 1.25% | 1.34% | 3.46% | 0.66% |
ZPDF.DE SPDR S&P US Financials Select Sector UCITS ETF | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
With a correlation of 0.99, XUFN.DE and ZPDF.DE move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
On fees, XUFN.DE is cheaper at 0.12% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XUFN.DE is cheaper with a 0.12% expense ratio, compared with 0.15% for ZPDF.DE.
XUFN.DE tracks MSCI USA Financials, while ZPDF.DE tracks S&P Financials Select Sector. They also come from different issuers: Xtrackers and State Street. Their fees differ too: 0.12% for XUFN.DE and 0.15% for ZPDF.DE.
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