A head-to-head comparison of GraniteShares YieldBOOST Financials ETF and State Street Financial Select Sector SPDR ETF covering yield, cost, risk, and income potential.
ETFs and AUM reflect what Dividend Vision tracks — the issuer's full lineup may be larger.
GraniteShares is known for offering specialized ETF strategies that extend beyond traditional equity and bond investing, particularly through structured products and income-focused solutions. The firm manages 48 ETFs organized around distinct fund families including Autocallable products, Commodities, Income strategies, Leveraged exposures, and their YieldBOOST line designed to enhance distributions. GraniteShares targets investors seeking alternative income generation methods and commodity access, with popular tickers like AHD, CRY, and FBL representing their diverse approach to yield enhancement and alternative asset classes.
See our curated list of related YouTube videos on FINY.
ETFs and AUM reflect what Dividend Vision tracks — the issuer's full lineup may be larger.
State Street Global Advisors (SSGA) is one of the largest ETF providers globally, known for its flagship SPDR suite of exchange-traded products that serve both institutional and retail investors across a broad range of asset classes. Their 88-fund lineup spans diverse strategies including sector exposure (Select Sector SPDR), income generation (Income and Select Sector SPDR Premium Income families), commodities (including the widely-held GLD gold ETF), bonds, ESG-focused investments, and thematic allocations, with popular tickers like DIA (Diamonds Trust), FEZ (Eurozone exposure), and JNK (high-yield bonds) among their most recognized funds. The issuer is characterized by its comprehensive coverage across multiple market segments and its emphasis on both traditional index-based products and specialized strategies like covered call income funds and factor-based investing.
See our curated list of related YouTube videos on XLF.
Seeks to provide weekly income by selling near-the-money put spreads on leveraged ETFs linked to the Financial Select Sector Index, with built-in risk control through the put spread collar structure.
Provide exposure to the fund's underlying index or strategy per issuer materials.
Asset class
Equity
Equity
Inception date
05/05/2026
12/16/1998
Beta
—
0.79
Last dividend
$0.1240
$0.1870
Ex-dividend date
05/08/2026
09/21/2026
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Total return with all distributions reinvested on the ex-dividend date, split-adjusted, as of June 23, 2026. YTD and 1Y are cumulative; longer windows are annualized. “Since May 2026” measures every fund from May 5, 2026 — the youngest fund's first trading day — so all funds share one comparison window.
Quick verdict
FINY (GraniteShares YieldBOOST Financials ETF) and XLF (State Street Financial Select Sector SPDR ETF) are both dividend ETFs, but they take different approaches.
FINY offers the higher yield at 25.53% vs 1.39% for XLF. A higher yield means more current income per dollar invested, though it may come with different risk characteristics.
XLF is cheaper with an expense ratio of 0.09% compared to 1.07%.
XLF has $49.5B in assets vs $757,189 for FINY, but FINY only launched May 2026 — AUM comparisons will become more meaningful as it builds a track record.
Deep dive
Yield & income
On a $10,000 investment, FINY would generate roughly $212.75/month, while XLF would produce $11.58/month, at current distribution rates.
FINY yield25.53%
XLF yield1.39%
Monthly diff on $10K$201.17
Cost & efficiency
Over 10 years on $10,000, FINY would cost approximately $1,070 in fees vs $90 for XLF (simplified, not compounded). The $980.00 difference may be offset by yield or performance.
FINY ER1.07%
XLF ER0.09%
Strategy & risk
FINY tracks Financial Select Sector Index with a basket approach, while XLF tracks Financial Select Sector Index with an index approach.
FINY beta—
XLF beta0.79
Fund details
FINY is managed by GraniteShares (launched 05/05/2026) with $757,189 in assets. XLF is managed by State Street (launched 12/16/1998) with $49.5B in assets.
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Frequently asked questions
Is FINY or XLF better for dividend income?
It depends on your goals. FINY currently offers the higher distribution yield, which means more income per dollar invested. However, a lower-yield fund may offer better total return or lower volatility. Consider your time horizon and risk tolerance.
What is the difference between FINY and XLF?
FINY (GraniteShares YieldBOOST Financials ETF) tracks Financial Select Sector Index with a basket approach, while XLF (State Street Financial Select Sector SPDR ETF) tracks Financial Select Sector Index with an index approach. They are issued by GraniteShares and State Street respectively.
Can I hold both FINY and XLF?
Yes. Many income investors hold both to diversify across different strategies and underlying indexes. This can reduce concentration risk while maintaining a strong income stream.
Which has lower fees, FINY or XLF?
FINY has an expense ratio of 1.07% while XLF charges 0.09%. Lower fees mean more of your investment returns stay in your pocket over time.
How much income does $10,000 in FINY vs XLF generate?
At current rates, $10,000 in FINY would generate roughly $212.75 per month ($2,553.00 annually). The same in XLF would produce about $11.58 per month ($139.00 annually).
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