FDIV vs XLF
MarketDesk Focused US Dividend ETF vs State Street Financial Select Sector SPDR ETF
Which is better, FDIV or XLF?
XLF has been ahead.
XLF has a lower expense ratio. XLF led over 1Y, 3Y and the full window. FDIV is less concentrated, with 33.0% 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 | FDIV | XLF |
|---|---|---|
| Expense Ratio | 0.35% | 0.08%Best |
| AUM | $53M | $51.9B |
| Dividend Yield | 2.61% | 1.40% |
| Holdings | 224 | 160 |
| YTD Return | -0.05% | +0.47%Best |
| 1Y Return | +2.12% | +4.02%Best |
| 3Y Return (annualized) | +6.26% | +19.43%Best |
| 5Y Return (annualized) | - | +8.82% |
| Volatility (annualized) | 12.8%Best | 14.8% |
| Max Drawdown | -18.6% | -15.5%Best |
| $10,000 over 3.1 years | $11,722 | $16,652Best |
| Top 10 Weight | 33.0%Best | 57.3% |
| Fund Family | MarketDesk Indices | SPDR State Street Global Advisors |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Sep 19, 2023 | Dec 16, 1998 |
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Sep 20, 2023 to Oct 14, 2026 (3.1 years).
FDIV 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 3.1 years both funds cover.
FDIV vs XLF Performance
MarketDesk Focused US Dividend ETF (FDIV) is an ETF from MarketDesk Indices and State Street Financial Select Sector SPDR ETF (XLF) is an ETF from SPDR State Street Global Advisors. Over the past year FDIV returned +2.12% while XLF returned +4.02%. Year to date, FDIV is down 0.05% versus a gain of 0.47% for XLF.
Over three years, FDIV compounded at +6.26% 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 14.8% compared with 12.8% for FDIV. 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 -18.6% for FDIV and -15.5% 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDIV charges 0.35% per year while XLF charges 0.08%. On a $10,000 position that is $35 vs $8 annually, a gap of $27 per year that compounds over a long holding period. On income, FDIV currently yields 2.61% against 1.40% for XLF.
Holdings Overlap
14.6% of FDIV's money is in holdings XLF also owns. 26.0% of XLF's money is in holdings FDIV also owns.
XLF and FDIV share little of their money.
17 positions in common, counted across the 111 positions we hold weights for in FDIV and 77 in XLF, against full books of 224 and 160.
What only one of them owns
Our book lists 59 positions for XLF that do not appear in our book for FDIV (73.5% of the fund), and 89 for FDIV that do not appear in XLF (83.3%).
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.
Top Shared Holdings
| Stock | Weight in FDIV | Weight in XLF | Difference |
|---|---|---|---|
| VVisa Inc Class A | 2.94% | 7.62% | 4.68% |
| MAMastercard Inc | 2.88% | 5.69% | 2.81% |
| BLKBlackrock Inc | 1.41% | 1.93% | 0.52% |
| SPGIS&p Global Inc. | 1.03% | 1.54% | 0.51% |
| CBChubb Ltd Common Stock Usd 24.15 | 1.05% | 1.51% | 0.46% |
| CMEC M E Group Inc. | 0.89% | 1.24% | 0.35% |
| PNCPnc Financial Services Group Inc. | 0.79% | 1.21% | 0.42% |
| KKRKkr & Co. Inc. Class a | 0.58% | 0.87% | 0.29% |
| AJGArthur J Gallagher & Co. | 0.54% | 0.76% | 0.22% |
| APOAthene (Ath) / Apollo Global Management (Apo) | 0.46% | 0.74% | 0.28% |
26.0% of XLF is already inside FDIV.
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, FDIV or XLF?
FDIV has an expense ratio of 0.35% while XLF charges 0.08%. XLF is the cheaper option, by $27 a year on a $10,000 investment.
Which performed better, FDIV or XLF?
Over the past year FDIV returned +2.12% vs +4.02% for XLF, so XLF leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FDIV or XLF?
XLF has been the more volatile fund at 14.8% annualized versus 12.8% for FDIV. Worst drawdown: FDIV -18.6% vs XLF -15.5%.
Should I hold both FDIV and XLF?
FDIV and XLF have a monthly-return correlation of 0.74, 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 FDIV and XLF?
26.0% of XLF's money is in holdings FDIV also owns. 26.0% of XLF's is in holdings FDIV also owns. They hold 17 positions in common, counted across the 111 positions we hold weights for in FDIV and 77 in XLF.
Which pays a higher dividend, FDIV or XLF?
FDIV yields 2.61% while XLF yields 1.40%, so FDIV currently pays the higher dividend yield.
Is XLF better than FDIV?
XLF has a lower expense ratio. XLF led over 1Y, 3Y and the full window. FDIV is less concentrated, with 33.0% 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.