SPTM vs XLF
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF vs State Street Financial Select Sector SPDR ETF
Last updated: 2026-04-02
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF (SPTM) is an exchange-traded fund issued by State Street that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.19%. Launched in 2000, the fund has a 26-year track record.
State Street Financial Select Sector SPDR ETF (XLF) is an exchange-traded fund issued by State Street that provides exposure to us sector - financials securities. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.60%. Launched in 1998, the fund has a 28-year track record.
Quick Verdict
SPTM has a slightly lower expense ratio (0.03% vs 0.09%), saving about $119 per $10,000 over 10 years. Over the past year, SPTM has significantly outperformed with a 15.9% return vs -1.3%.
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Which One Should You Choose?
Choose SPTM if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose SPTM if...
recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.
Choose XLF if...
you prioritize dividend income and want higher regular distributions from your portfolio.