Skip to content
etf.net

XLFI vs XLSI

State Street Financial Select Sector SPDR Premium Income ETF

XLFIBNYSE Arca

State Street Consumer Staples Select Sector SPDR Premium Income ETF

XLSIANYSE Arca

Overlap

0.0%by weight

Expense ratio

Same figure. Both funds show the same value, so neither comes out ahead.

XLFI0.35%XLSI0.35%

Avg volume · 30D

XLSI 1.6×the volume

XLFI12.2KXLSI19.2K

XLFI vs XLSI Performance

Oct 31, 2025 – Oct 30, 2026

+6.9%XLFI+14.7%XLSI

Oct 31, 2025 to Oct 30, 2026. XLFI +6.9%. XLSI +14.7%. Use the arrow keys to read each point.−5%0%10%Oct 2025Apr 2026Oct 2026
Expense ratio
XLFI 0.35%
XLSI 0.35%
Fund size
XLFI $13M
XLSI $25M
1Y total return
XLFI +6.9%
XLSI +14.7%, better
Yield (12M)
XLFI 11.13%
XLSI 12.22%, better
Holdings
XLFI 2
XLSI 2
Avg volume (30D)
XLFI 12.2K sh
XLSI 19.2K sh, better
NAV per share
XLFI $23.69
XLSI $23.80
52W range

ETF.net Grade

XLFI: Cost 76, Risk 42, Mission 98, Tradability 48, Holdings 46, Durability 51. XLSI: Cost 76, Risk 68, Mission 88, Tradability 78, Holdings 51, Durability 58.
Pillar letters and Scores for XLFI, XLSI, with each pillar’s weight
PillarXLFIXLSI
Cost30% weightA76A76
Mission25% weightA98HigherA88
Risk15% weightC42B68Higher
Tradability15% weightC48A78Higher
Holdings10% weightC46C51Higher
Durability5% weightC51B58Higher

Rank among Sector Option Income funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. XLFI and XLSI are both graded against the same 22 Sector Option Income funds, so their Grades compare head to head.

Sector Option Income⁠

Category · 22 funds
See all 22 ›

XLSI ranks 1st and XLFI 5th of 22 funds in the Sector Option Income Category.

  1. Rank 1AXLSIState Street Consumer Staples Select Sector SPDR Premium Income ETFScore 74
  2. Rank 2AXLIIState Street Industrial Select Sector SPDR Premium Income ETFScore 71
  3. Rank 4BXLUIState Street Utilities Select Sector SPDR Premium Income ETFScore 69
  4. Rank 5BXLFIState Street Financial Select Sector SPDR Premium Income ETFScore 67
  5. Rank 5BXLYIState Street Consumer Discretionary Select Sector SPDR Premium Income ETFScore 67

Our read on each fund

ETF.net Research

XLFIBState Street Financial Select Sector SPDR Premium Income ETF

XLSIAState Street Consumer Staples Select Sector SPDR Premium Income ETF

In short

XLFI Holds State Street's big financials sector fund, sells call options on it, and pays the premiums out monthly. A 2025 launch that turns banks, insurers and capital-markets firms into cash flow, trading away some upside.

XLSI Covered calls on the market's quietest aisle. XLSI owns the classic consumer staples sector fund and sells calls on it, turning soup, soap and razors into monthly income while giving up gains above the strike.

Stated mandate

XLFI The fund uses an actively managed strategy intended to provide current income while preserving prospects for long-term capital growth. It invests in the Financial Select Sector SPDR ETF and sells call options on that ETF to generate additional income.

XLSI The fund uses an actively managed strategy intended to provide current income while preserving prospects for long-term capital growth. It invests in the Consumer Staples Select Sector SPDR ETF and sells call options on that ETF to generate additional income.

Why people hold it

  • XLFI Plumbing is refreshingly literal: own one sector ETF (XLF), write calls on that same ETF, distribute monthly. No basket of single-name options to unpick.ssga.com
  • 0.35% a year, dead center for sector covered-call funds and identical to every sibling (XLVI, XLUI, XLEI). Choosing among them is a sector decision, not a fee one.
  • The portfolio matches the mandate on the tin, and the fund sits in the upper half of its sector income-overlay peer group.
  • XLSI Simple plumbing: it holds shares of the staples Select Sector fund (XLP) and writes calls on that same ETF, so the equity sleeve is the plain sector basket, not a synthetic stand-in.ssga.com
  • 0.35% sits right at the median for its option-income sector cohort, the same sticker as siblings XLVI, XLUI and XLEI.
  • Pays monthly, and the call overlay is actively managed: a manager sets the strikes rather than following a fixed published formula.ssga.com
  • Sticks tightly to the mandate on the tin, and ranks among the stronger builds in its sector-overlay peer group.

Worth knowing

  • XLFI Written calls cap how much of a financials rally reaches shareholders. Sideways markets suit the mechanics; a sector melt-up is where it costs.ssga.com
  • One sector carries the whole load: banks, insurers, capital markets and mortgage REITs all ride the same rate and credit cycle.ssga.com
  • Launched in 2025, so the live record is short, and it trades lighter than the sector fund it holds. Limit orders earn their keep.
  • XLSI The calls cap the top end: gains above the strike on the underlying staples fund are traded away for premium.ssga.com
  • Option premiums rise and fall with volatility, so the monthly payout moves around. Income, not a coupon.
  • Launched in 2025 and small next to the giant option-income names, so the record is short and trading is light. Spreads can widen.

Full XLFI profile⁠

Full XLSI profile⁠

XLFI vs XLSI Holdings

How XLFI and XLSI differ

Overlap by weight

0.0%

Shared holdings make up 0.5% of XLFI and 0.0% of XLSI.

Level by level

  • Sector5 Sectors0.0%
  • Holdings0 in both0.0%
  • Countryby domicile98.4%
  • Asset classEquity100%

Sector

Sector weights in XLFI and XLSI, widest gap first
SectorMore in XLFIMore in XLSI
Consumer StaplesXLSI +98.6 points
FinancialsXLFI +98.2 points
TechnologyXLFI +1.5 points
Consumer DiscretionaryXLSI +1.4 points
IndustrialsXLFI +0.2 points

Country, concentration and asset class

Country by domicile

Country weights in XLFI and XLSI, widest gap first
CountryMore in XLFIMore in XLSI
United StatesXLSI +1.6 points
SwitzerlandXLFI +1.6 points

Concentration

Weight in the 10 largest Holdings

  • XLFI102.5%
  • XLSI101.8%

Securities held

  • XLFI1
  • XLSI1

Asset class

XLFI
Equity
XLSI
Equity

Holdings

  • Only in XLFI1
  • In both0
  • Only in XLSI1

Only in XLFI

1 security, 100% of XLFI by weight

  • State Street Financial Select101.96%

Only in XLSI

1 security, 100% of XLSI by weight

  • State Street Consumer Staples101.76%

Weight gaps

XLFI and XLSI share no securities.

All 5 XLFI holdings⁠All 6 XLSI holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

XLFI vs XLSI Cost

Same expense ratio

$7,126

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • XLFI 0.35%

    $7,126

  • XLSI 0.35%

    $7,126

$10,000
30 years

Cost over time

  • XLFI 0.35%
  • XLSI 0.35%
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$2K$4K$6K$8K051015202530XLFI $7,126XLSI $7,126

Year by year

YearXLFIXLSI
10$634$634
20$2,454$2,454
30$7,126$7,126

Expense ratio

  • 0.35%XLFI
  • 0.35%XLSI
  • Middle half of Sector Option Income funds
  • Median 0.47%

XLFI cheapest of 22 funds

XLSI cheapest of 22 funds

XLFI vs XLSI Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
XLFI 11.13%
XLSI 12.22%, better
Payout (12M)
XLFI $2.63
XLSI $2.92
Last payment
XLFI $0.21
XLSI $0.32
Ex-dividend
XLFI Oct 1, 2026
XLSI Oct 1, 2026
Paid on
XLFI Oct 5, 2026
XLSI Oct 5, 2026
Frequency
XLFI Monthly
XLSI Monthly

Distribution history

Per share, 2025 to 2026, same scale for both

XLFIMonthly · 14 paymentsAll XLFI payments⁠
One bar per payment. 14 payments from 2025 to 2026 YTD. Sep 2, 2025 $0.32; Oct 1, 2025 $0.34; Nov 3, 2025 $0.22; Dec 1, 2025 $0.27; Dec 29, 2025 $0.24; Feb 2, 2026 $0.18; Mar 2, 2026 $0.27; Apr 1, 2026 $0.34; May 1, 2026 $0.18; Jun 1, 2026 $0.16; Jul 1, 2026 $0.22; Aug 3, 2026 $0.21; Sep 1, 2026 $0.13; Oct 1, 2026 $0.21. Use the arrow keys to read each point.$0$0.252026YTD
XLSIMonthly · 14 paymentsAll XLSI payments⁠
One bar per payment. 14 payments from 2025 to 2026 YTD. Sep 2, 2025 $0.29; Oct 1, 2025 $0.28; Nov 3, 2025 $0.22; Dec 1, 2025 $0.15; Dec 29, 2025 $0.32; Feb 2, 2026 $0.18; Mar 2, 2026 $0.30; Apr 1, 2026 $0.33; May 1, 2026 $0.19; Jun 1, 2026 $0.20; Jul 1, 2026 $0.35; Aug 3, 2026 $0.19; Sep 1, 2026 $0.18; Oct 1, 2026 $0.32. Use the arrow keys to read each point.$0$0.252026YTD

XLFI vs XLSI Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
XLFI 11.5%since Aug 2025XLSI 12.3%since Aug 2025
Return per unit of riskSharpe ratio, 3 years
XLFI 0.37since Aug 2025XLSI 0.48since Aug 2025
Worst fallMax drawdown, 5 years
XLFI −11.9%since Jul 2025XLSI −7.9%since Jul 2025
Market sensitivityBeta, 5 years
XLFI 0.34XLSI 0.19

Popular comparisons

  • XLFIBvsXLIIA

    State Street Financial Select Sector SPDR Premium Income ETF · State Street Industrial Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

  • XLSIAvsXLIIA

    State Street Consumer Staples Select Sector SPDR Premium Income ETF · State Street Industrial Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

  • XLFIBvsXLVIA

    State Street Financial Select Sector SPDR Premium Income ETF · State Street Health Care Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

  • XLSIAvsXLVIA

    State Street Consumer Staples Select Sector SPDR Premium Income ETF · State Street Health Care Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

  • XLFIBvsXLUIB

    State Street Financial Select Sector SPDR Premium Income ETF · State Street Utilities Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

  • XLSIAvsXLUIB

    State Street Consumer Staples Select Sector SPDR Premium Income ETF · State Street Utilities Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.