ETF comparison
IYG vs XLF
Both Financials.
iShares U.S. Financial Services ETF · State Street Financial Select Sector SPDR ETF
Holdings overlap
46 positions appear in both funds. Buying equal dollars of IYG and XLF would leave roughly 83.6% of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
XLF is 30 bps cheaper than IYG. On a $100,000 position that's about $300/yr more in fees for IYG.
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 IYG vs XLF.
Top shared holdings
46 shared in total| # | Holding | In IYG | In XLF | Overlap |
|---|---|---|---|---|
| 1 | BERKSHIRE HATHAWAY INC. | 12.90% | 12.46% | 12.46% |
| 2 | JPMORGAN CHASE & CO. | 12.54% | 11.24% | 11.24% |
| 3 | VISA INC. | 8.23% | 7.20% | 7.20% |
| 4 | MASTERCARD INCORPORATED | 6.08% | 5.77% | 5.77% |
| 5 | BANK OF AMERICA CORPORATION | 5.27% | 4.59% | 4.59% |
| 6 | THE GOLDMAN SACHS GROUP, INC. | 4.11% | 3.60% | 3.60% |
| 7 | WELLS FARGO & COMPANY | 3.78% | 3.49% | 3.49% |
| 8 | CITIGROUP INC. | 3.32% | 2.81% | 2.81% |
| 9 | MORGAN STANLEY | 3.40% | 2.81% | 2.81% |
| 10 | AMERICAN EXPRESS COMPANY | 2.57% | 2.30% | 2.30% |
| 11 | THE CHARLES SCHWAB CORPORATION | 2.27% | 2.23% | 2.23% |
| 12 | BLACKROCK, INC. | 2.28% | 1.97% | 1.97% |
Only in IYG
54 total- LPL FINANCIAL HOLDINGS INC. 0.40%
- SOFI TECHNOLOGIES, INC. 0.30%
- FIRST CITIZENS BANCSHARES, INC. 0.29%
- EAST WEST BANCORP, INC. 0.26%
- PINNACLE FINANCIAL PARTNERS, INC. 0.22%
- ROCKET COMPANIES, INC. 0.21%
- TRADEWEB MARKETS INC. 0.19%
- THE CARLYLE GROUP INC. 0.19%
- ALLY FINANCIAL INC. 0.19%
- EVERCORE INC. 0.18%
Only in XLF
31 total- Chubb Ltd 1.68%
- Progressive Corp/The 1.65%
- Marsh & McLennan Cos Inc 1.19%
- Aon PLC 0.98%
- Travelers Cos Inc/The 0.89%
- Arthur J Gallagher & Co 0.79%
- Allstate Corp/The 0.76%
- Aflac Inc 0.73%
- PayPal Holdings Inc 0.59%
- American International Group Inc 0.57%
Open IYG 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.