ETF comparison
FNCLvsXLF
Both Financials.
Fidelity MSCI Financials Index ETF · State Street Financial Select Sector SPDR ETF
Holdings overlap
76 positions appear in both funds. Buying equal dollars of FNCL and XLF would leave roughly85.4%of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — seewhat we don't scorefor why.
Cost difference
Expense ratios are effectively identical (0.084% vs 0.080%).
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open thecost calculator pre-filled with FNCL vs XLF.
Top shared holdings
76 shared in total| # | Holding | In FNCL | In XLF | Overlap |
|---|---|---|---|---|
| 1 | JPMorgan Chase & Co | 10.10% | 11.55% | 10.10% |
| 2 | Berkshire Hathaway Inc | 7.72% | 12.08% | 7.72% |
| 3 | Visa Inc | 6.59% | 7.50% | 6.59% |
| 4 | Mastercard Inc | 5.04% | 5.46% | 5.04% |
| 5 | Bank of America Corp | 4.34% | 4.90% | 4.34% |
| 6 | Goldman Sachs Group Inc/The | 3.28% | 3.93% | 3.28% |
| 7 | Wells Fargo & Co | 3.06% | 3.33% | 3.06% |
| 8 | Citigroup Inc | 2.71% | 3.14% | 2.71% |
| 9 | Morgan Stanley | 2.68% | 3.30% | 2.68% |
| 10 | American Express Co | 2.11% | 2.37% | 2.11% |
| 11 | Charles Schwab Corp/The | 1.83% | 1.99% | 1.83% |
| 12 | Blackrock Inc | 1.86% | 1.83% | 1.83% |
Only in FNCL
308 total- LPL Financial Holdings Inc0.32%
- Markel Group Inc0.26%
- State Street Global Advisors0.25%
- SoFi Technologies Inc0.24%
- Affirm Holdings Inc0.21%
- East West Bancorp Inc0.21%
- First Citizens BancShares Inc/NC0.20%
- Annaly Capital Management Inc0.18%
- Pinnacle Financial Partners Inc0.18%
- RenaissanceRe Holdings Ltd0.17%
Only in XLF
1 total- State Street Global Advisors0.01%
Open FNCL or XLF at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodologyand funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions matched on ISIN (CUSIP fallback). Methodology: see/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.