ETF comparison
FNCL vs XLF
Both Financials.
Fidelity MSCI Financials Index ETF · State Street Financial Select Sector SPDR ETF
Holdings overlap
76 positions appear in both funds. Buying equal dollars of FNCL and XLF would leave roughly 86.0% of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
Expense ratios are effectively identical (0.084% vs 0.080%).
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with FNCL vs XLF.
Top shared holdings
76 shared in total| # | Holding | In FNCL | In XLF | Overlap |
|---|---|---|---|---|
| 1 | JPMorgan Chase & Co | 10.10% | 11.24% | 10.10% |
| 2 | Berkshire Hathaway Inc | 7.72% | 12.46% | 7.72% |
| 3 | Visa Inc | 6.59% | 7.20% | 6.59% |
| 4 | Mastercard Inc | 5.04% | 5.77% | 5.04% |
| 5 | Bank of America Corp | 4.34% | 4.59% | 4.34% |
| 6 | Goldman Sachs Group Inc/The | 3.28% | 3.60% | 3.28% |
| 7 | Wells Fargo & Co | 3.06% | 3.49% | 3.06% |
| 8 | Citigroup Inc | 2.71% | 2.81% | 2.71% |
| 9 | Morgan Stanley | 2.68% | 2.81% | 2.68% |
| 10 | American Express Co | 2.11% | 2.30% | 2.11% |
| 11 | Blackrock Inc | 1.86% | 1.97% | 1.86% |
| 12 | Charles Schwab Corp/The | 1.83% | 2.23% | 1.83% |
Only in FNCL
308 total- LPL Financial Holdings Inc 0.32%
- Markel Group Inc 0.26%
- State Street Global Advisors 0.25%
- SoFi Technologies Inc 0.24%
- Affirm Holdings Inc 0.21%
- East West Bancorp Inc 0.21%
- First Citizens BancShares Inc/NC 0.20%
- Annaly Capital Management Inc 0.18%
- Pinnacle Financial Partners Inc 0.18%
- RenaissanceRe Holdings Ltd 0.17%
Only in XLF
1 total- State Street Global Advisors 0.02%
Open FNCL or XLF at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.