GEND vs XLF
Genter Capital Dividend Income ETF vs State Street Financial Select Sector SPDR ETF
Which is better, GEND or XLF?
GEND has been ahead.
XLF has a lower expense ratio. GEND led over 1Y and the full window. GEND is less concentrated, with 40.3% 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 | GEND | XLF |
|---|---|---|
| Expense Ratio | 0.38% | 0.08%Best |
| AUM | $6M | $51.8B |
| Dividend Yield | 3.06% | 1.55% |
| Holdings | 33 | 160 |
| YTD Return | +16.94%Best | +1.85% |
| 1Y Return | +21.17%Best | +5.45% |
| 3Y Return (annualized) | - | +19.95% |
| 5Y Return (annualized) | - | +8.80% |
| Volatility (annualized) | 10.9%Best | 12.6% |
| Max Drawdown | -13.3%Best | -15.5% |
| $10,000 over 1.8 years | $13,914Best | $11,959 |
| Top 10 Weight | 40.3%Best | 57.3% |
| Fund Family | Genter Capital Management | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Dec 31, 2024 | Dec 16, 1998 |
Volatility and max drawdown, and the $10,000 over 1.8 years row, are measured over the window both funds cover: Jan 13, 2025 to Oct 15, 2026 (1.8 years).
GEND 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 1.8 years both funds cover.
GEND vs XLF Performance
Genter Capital Dividend Income ETF (GEND) is an ETF from Genter Capital Management and State Street Financial Select Sector SPDR ETF (XLF) is an ETF from State Street Investment Management. Over the past year GEND returned +21.17% while XLF returned +5.45%. Year to date, GEND is up 16.94% versus a gain of 1.85% 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 12.6% compared with 10.9% for GEND. 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 -13.3% for GEND 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 0.57. They move together some of the time, and apart the rest.
Fees and Cost Over Time
GEND charges 0.38% per year while XLF charges 0.08%. On a $10,000 position that is $38 vs $8 annually, a gap of $30 per year that compounds over a long holding period. On income, GEND currently yields 3.06% against 1.55% for XLF.
Holdings Overlap
17.2% of GEND's money is in holdings XLF also owns. 16.2% of XLF's money is in holdings GEND also owns.
GEND and XLF share little of their money.
5 positions in common, counted across the 35 positions we hold weights for in GEND and 77 in XLF, against full books of 33 and 160.
What only one of them owns
Our book lists 71 positions for XLF that do not appear in our book for GEND (83.3% of the fund), and 27 for GEND that do not appear in XLF (73.5%).
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.
You are not choosing between two funds in isolation.
Whichever of GEND and XLF you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, GEND or XLF?
GEND has an expense ratio of 0.38% while XLF charges 0.08%. XLF is the cheaper option, by $30 a year on a $10,000 investment.
Which performed better, GEND or XLF?
Over the past year GEND returned +21.17% vs +5.45% for XLF, so GEND leads on 1-year performance. Over the longest common window we track (2 years), GEND annualized +20.14% vs +10.45% for XLF. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, GEND or XLF?
XLF has been the more volatile fund at 12.6% annualized versus 10.9% for GEND. Worst drawdown: GEND -13.3% vs XLF -15.5%.
Should I hold both GEND and XLF?
GEND and XLF have a monthly-return correlation of 0.57, 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 GEND and XLF?
17.2% of GEND's money is in holdings XLF also owns. 16.2% of XLF's is in holdings GEND also owns. They hold 5 positions in common, counted across the 35 positions we hold weights for in GEND and 77 in XLF.
Which pays a higher dividend, GEND or XLF?
GEND yields 3.06% while XLF yields 1.55%, so GEND currently pays the higher dividend yield.
Is XLF better than GEND?
XLF has a lower expense ratio. GEND led over 1Y and the full window. GEND is less concentrated, with 40.3% 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.