ETF comparison
FNCL vs XLF
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 roughly 86.1% of each dollar exposed to the same underlying securities.
Unmatched is the part of a fund's weight the other fund doesn't match: names only it holds, plus any extra weight it puts in names both funds hold.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for 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 the cost calculator pre-filled with FNCL vs XLF.
Top shared holdings
76 shared in total| # | Holding | In FNCL | In XLF | Overlap |
|---|---|---|---|---|
| 1 | JPMorgan Chase & Co | 10.43% | 11.55% | 10.43% |
| 2 | Berkshire Hathaway Inc | 7.87% | 12.08% | 7.87% |
| 3 | Visa Inc | 6.81% | 7.50% | 6.81% |
| 4 | Mastercard Inc | 5.19% | 5.46% | 5.19% |
| 5 | Bank of America Corp | 4.65% | 4.90% | 4.65% |
| 6 | Goldman Sachs Group Inc/The | 3.32% | 3.93% | 3.32% |
| 7 | Wells Fargo & Co | 2.93% | 3.33% | 2.93% |
| 8 | Morgan Stanley | 2.76% | 3.30% | 2.76% |
| 9 | Citigroup Inc | 2.50% | 3.14% | 2.50% |
| 10 | American Express Co | 1.98% | 2.37% | 1.98% |
| 11 | Charles Schwab Corp/The | 1.92% | 1.99% | 1.92% |
| 12 | Blackrock Inc | 1.78% | 1.83% | 1.78% |
Only in FNCL
307 total- LPL Financial Holdings Inc 0.31%
- Markel Group Inc 0.26%
- SoFi Technologies Inc 0.23%
- Affirm Holdings Inc 0.22%
- East West Bancorp Inc 0.20%
- First Citizens BancShares Inc/NC 0.18%
- Annaly Capital Management Inc 0.18%
- Pinnacle Financial Partners Inc 0.17%
- Reinsurance Group of America Inc 0.17%
- Toast Inc 0.17%
Only in XLF
0 totalEvery XLF position is also held by FNCL.
Related comparisons
More comparisons with FNCL
- FNCL vs IYG · iShares U.S. Financial Services ETF 77.4%
- FNCL vs IXG · iShares Global Financials ETF 50.6%
- FNCL vs KBWB · Invesco KBW Bank ETF 32.9%
- FNCL vs KBE · State Street SPDR S&P Bank ETF 16.0%
- FNCL vs IAT · iShares U.S. Regional Banks ETF 7.4%
- FNCL vs KRE · State Street SPDR S&P Regional Banking ETF 7.2%
More comparisons with XLF
- XLF vs IYG · iShares U.S. Financial Services ETF 84.0%
- XLF vs VFH · Vanguard Financials Index Fund ETF Shares 82.0%
- XLF vs IXG · iShares Global Financials ETF 50.6%
- XLF vs KBWB · Invesco KBW Bank ETF 36.0%
- XLF vs KBE · State Street SPDR S&P Bank ETF 11.4%
- XLF vs IAT · iShares U.S. Regional Banks ETF 6.0%
Percentages are holdings overlap with the named fund.
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 methodology and 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.