CGDV vs XLF
Capital Group Dividend Value ETF vs State Street Financial Select Sector SPDR ETF
Which is better, CGDV or XLF?
CGDV has been ahead.
XLF has a lower expense ratio. CGDV led over 1Y, 3Y and the full window. CGDV is less concentrated, with 43.1% of the fund in its ten largest positions against 57.3%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CGDV | XLF |
|---|---|---|
| Expense Ratio | 0.33% | 0.08%Best |
| AUM | $39.3B | $51.9B |
| Dividend Yield | 1.23% | 1.40% |
| Holdings | 116 | 160 |
| YTD Return | +12.74%Best | +0.47% |
| 1Y Return | +19.20%Best | +4.02% |
| 3Y Return (annualized) | +24.22%Best | +19.43% |
| 5Y Return (annualized) | - | +8.82% |
| Volatility (annualized) | 14.9%Best | 18.1% |
| Max Drawdown | -21.8%Best | -22.5% |
| $10,000 over 4.6 years | $21,295Best | $15,555 |
| Top 10 Weight | 43.1%Best | 57.3% |
| Fund Family | Capital Group (US) | SPDR State Street Global Advisors |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Feb 22, 2022 | Dec 16, 1998 |
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 24, 2022 to Oct 14, 2026 (4.6 years).
CGDV vs XLF growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.6 years both funds cover.
CGDV vs XLF Performance
Capital Group Dividend Value ETF (CGDV) is an ETF from Capital Group (US) and State Street Financial Select Sector SPDR ETF (XLF) is an ETF from SPDR State Street Global Advisors. Over the past year CGDV returned +19.20% while XLF returned +4.02%. Year to date, CGDV is up 12.74% versus a gain of 0.47% for XLF.
Over three years, CGDV compounded at +24.22% per year against +19.43% for XLF.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XLF has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 14.9% for CGDV. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -21.8% for CGDV and -22.5% for XLF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CGDV charges 0.33% per year while XLF charges 0.08%. On a $10,000 position that is $33 vs $8 annually, a gap of $25 per year that compounds over a long holding period. On income, CGDV currently yields 1.23% against 1.40% for XLF.
Holdings Overlap
5.0% of CGDV's money is in holdings XLF also owns. 21.7% of XLF's money is in holdings CGDV also owns.
XLF and CGDV share little of their money.
4 positions in common, counted across the 53 positions we hold weights for in CGDV and 77 in XLF, against full books of 116 and 160.
What only one of them owns
Our book lists 72 positions for XLF that do not appear in our book for CGDV (77.8% of the fund), and 44 for CGDV that do not appear in XLF (86.5%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
21.7% of XLF is already inside CGDV.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CGDV or XLF?
CGDV has an expense ratio of 0.33% while XLF charges 0.08%. XLF is the cheaper option, by $25 a year on a $10,000 investment.
Which performed better, CGDV or XLF?
Over the past year CGDV returned +19.20% vs +4.02% for XLF, so CGDV leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CGDV or XLF?
XLF has been the more volatile fund at 18.1% annualized versus 14.9% for CGDV. Worst drawdown: CGDV -21.8% vs XLF -22.5%.
Should I hold both CGDV and XLF?
CGDV and XLF have a monthly-return correlation of 0.80, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CGDV and XLF?
21.7% of XLF's money is in holdings CGDV also owns. 21.7% of XLF's is in holdings CGDV also owns. They hold 4 positions in common, counted across the 53 positions we hold weights for in CGDV and 77 in XLF.
Which pays a higher dividend, CGDV or XLF?
CGDV yields 1.23% while XLF yields 1.40%, so XLF currently pays the higher dividend yield.
Is XLF better than CGDV?
XLF has a lower expense ratio. CGDV led over 1Y, 3Y and the full window. CGDV is less concentrated, with 43.1% of the fund in its ten largest positions against 57.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.