FIFT vs XLF
HCM Select 50 ETF vs State Street Financial Select Sector SPDR ETF
Which is better, FIFT or XLF?
XLF costs less.
XLF has a lower expense ratio. FIFT is less concentrated, with 21.0% of the fund in its ten largest positions against 57.4%.
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 | FIFT | XLF |
|---|---|---|
| Expense Ratio | 1.35% | 0.08%Best |
| AUM | $67M | $53.4B |
| Dividend Yield | 0.00% | 1.46% |
| Holdings | 50 | 160 |
| YTD Price Return | - | +6.83% |
| 1Y Price Return | - | +10.76% |
| 3Y Price Return (annualized) | - | +19.38% |
| 5Y Price Return (annualized) | - | +7.90% |
| Volatility (annualized) | - | 21.4% |
| Max Drawdown | - | -83.8% |
| Top 10 Weight | 21.0%Best | 57.4% |
| Fund Family | Howard Capital Management | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Oct 21, 2026 | Dec 16, 1998 |
Not shown on this pair: $10,000 over the window.
Returns are price returns and exclude distributions, because our data feed carries no adjusted close for FIFT. We have no price series for FIFT, so there is nothing to compare it against. FIFT yields 0.00% and XLF 1.46% on top.
FIFT vs XLF Performance
HCM Select 50 ETF (FIFT) is an ETF from Howard Capital Management and State Street Financial Select Sector SPDR ETF (XLF) is an ETF from State Street Investment Management.
Fees and Cost Over Time
FIFT charges 1.35% per year while XLF charges 0.08%. On a $10,000 position that is $135 vs $8 annually, a gap of $127 per year that compounds over a long holding period. On income, FIFT currently yields 0.00% against 1.46% for XLF.
Holdings Overlap
9.7% of FIFT's money is in holdings XLF also owns. 3.3% of XLF's money is in holdings FIFT also owns.
FIFT and XLF share little of their money.
5 positions in common, counted across the 50 positions we hold weights for in FIFT and 76 in XLF, against full books of 50 and 160.
What only one of them owns
Measured across the 50 and 76 positions we hold weights for.
XLF holds 71 positions FIFT does not, 96.5% of the fund.
Largest: BRK.A 12.39%, JPM 11.69%, V 8.14%, MA 5.91%, BAC 4.63%
You are not choosing between two funds in isolation.
Whichever of FIFT 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, FIFT or XLF?
FIFT has an expense ratio of 1.35% while XLF charges 0.08%. XLF is the cheaper option, by $127 a year on a $10,000 investment.
What is the holdings overlap between FIFT and XLF?
9.7% of FIFT's money is in holdings XLF also owns. 3.3% of XLF's is in holdings FIFT also owns. They hold 5 positions in common, counted across the 50 positions we hold weights for in FIFT and 76 in XLF.
Which pays a higher dividend, FIFT or XLF?
FIFT yields 0.00% while XLF yields 1.46%, so XLF currently pays the higher dividend yield.
Is XLF better than FIFT?
XLF has a lower expense ratio. FIFT is less concentrated, with 21.0% of the fund in its ten largest positions against 57.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.