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As of September 16, 2026, State Street SPDR S&P Insurance ETF (KIE) trades at $63.12. RSI at 45 is in neutral territory, and the price is below its 50-day average of $63.79.

State Street SPDR S&P Insurance ETF (KIE)

State Street SPDR S&P Insurance ETF NYSE

$63.12 -0.2900 (-0.46%)
At close: Sep 15, 4:00 PM EDT
AI Analyst Consensus
Hold
55 / 100
The State Street SPDR S&P Insurance ETF (KIE) offers targeted exposure to the U.S. insurance industry, tracking the S&P Insurance Select Industry Index. The fund is heavily concentrated in Financial Services, with 98.13% of its assets allocated to this sector, and a minimal 1.87% in Healthcare. Its strategy focuses on providing broad representation across life and health insurance, property and casualty insurance, multiline insurance, insurance brokerage, and reinsurance companies. Recent price action shows KIE trading below its 20-day and 50-day exponential moving averages, suggesting a near-term bearish momentum, although its 10-year returns have historically outpaced its category average.

KIE Price Analysis

Market Metrics

Open
$63.16
Day Range
$62.75 to $63.18
Prev Close
$63.41
Volume
1.02M
52-Week Range
$53.45 to $66.53

KIE Fund Facts

State Street SPDR S&P Insurance ETF is an exchange-traded fund that aims to provide diversified exposure to the U.S. insurance industry. The fund tracks the S&P Insurance Select Industry Index, which focuses on companies involved in life and health insurance, property and casualty insurance, multiline insurance, insurance brokerage, and reinsurance. By concentrating on a single industry segment, the ETF offers a targeted way to follow the performance of insurance-related businesses within the broader financials sector.

Issuer
State Street Investment Management
Category
Financial
Inception
Nov 8, 2005
Expense ratio
0.35%
Net assets
$600.12M
NAV
$62.04
Distribution yield
1.55%
YTD return
6.00%
Turnover
20.00%

Sector weights

Healthcare 1.9%
Financial Services 98.1%

Trailing returns vs category

Period KIE Category
YTD 6.00% -1.23%
1 month -1.62% 6.86%
3 months 14.88% -1.56%
1 year 9.09% 15.69%
3 years 15.96% 17.84%
5 years 11.68% 7.20%
10 years 11.73% 10.58%

Fund reference data as of Sep 16, 2026. Expense ratio and net assets are reported by the fund; returns are total returns and can differ from price change.

KIE Analysis

AI Technical Analysis Hold
KIE is currently trading below its 20-day EMA at $63.29 and its 50-day SMA at $63.79, indicating a short-term bearish trend. The ETF is trading above its 200-day SMA at $59.39, suggesting that the longer-term trend remains positive. The Relative Strength Index (RSI) is at 45.39, which is in neutral territory, not indicating overbought or oversold conditions. The Moving Average Convergence Divergence (MACD) is at -0.20, suggesting bearish momentum is building.
ProTips
  • Monitor the 50-day and 200-day Simple Moving Averages for trend confirmation.
  • Stay informed about regulatory changes and macroeconomic factors affecting the insurance industry.
  • Consider the concentration risk inherent in a sector-specific ETF like KIE.
Market Outlook
The outlook for KIE is cautiously neutral in the short term, given its current technical positioning below key moving averages. However, the long-term trend remains supported by its 200-day SMA and historically strong 10-year category outperformance. The sector's performance will be heavily influenced by interest rate movements and the frequency and severity of natural disasters impacting insurance claims. Looking ahead 6-12 months, a sustained break above the 50-day SMA would signal a potential shift to a more bullish trend. Conversely, a drop below the 200-day SMA could indicate a more significant downturn. Investors should closely monitor sector-specific news and macroeconomic indicators that could impact insurance company profitability.

Market Correlations

How this etf moves relative to other assets

Based on 1 year of daily price data. Correlations may vary over different time periods.

S&P 500 (SPY) +0.45
Moderate correlation
Nasdaq 100 (QQQ) +0.25
Weak correlation
Bitcoin (BTC) +0.08
Weak correlation
Gold (XAU) -0.04
Weak correlation
Check Custom Correlation

How does any other asset move with KIE? One year of daily closes, Pearson correlation.

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Key Statistics

Yield 1.55%
Day High $63.18
Day Low $62.75
52 Week High 66.53
52 Week Low 53.45
The State Street SPDR S&P Insurance ETF (KIE) is heavily weighted towards the Financial Services sector, holding 98.13% of its assets in this area, with a small allocation to Healthcare. This concentration provides focused exposure to the insurance industry, encompassing life, health, property and casualty, multiline insurance, brokerage, and reinsurance segments. The fund's strategy is to mirror the S&P Insurance Select Industry Index, offering investors a diversified yet sector-specific investment vehicle. The broader financial sector's health and regulatory environment will significantly influence KIE's performance.

Earnings & Growth Analysis

However, the performance of its underlying holdings within the insurance sector is critical. The S&P Insurance Select Industry Index, which KIE tracks, comprises companies involved in various insurance lines. Recent trends in the insurance sector, including underwriting profitability, investment income, and reserve adequacy, will collectively impact the fund's overall return. Investors should monitor the aggregate earnings reports and outlooks of major insurance companies within the index.

Key Risks

The primary risk for KIE is sector concentration, with nearly all assets in Financial Services, specifically the insurance industry. This makes the fund vulnerable to adverse developments within this sector, such as increased regulatory scrutiny, significant natural disasters impacting property and casualty insurers, or shifts in interest rate environments affecting investment income. Additionally, a broad market downturn could disproportionately affect this specialized ETF.

Technical Indicators i

RSI (14) 45.39
MACD -0.20
SMA 50 63.79
SMA 200 59.39
Technical Rating Bearish
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($63.79) above the 200-day SMA ($59.39), price is trading below the 50-day SMA.

KIE Trade Plans

Specific entry, exit, and risk management levels

Select Your Trade Bias
Risk Tolerance
Conservative 2% Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →

Entry Strategies pick an entry style

Conservative
$62.49
Slight discount to current
Wait for small dip
Aggressive
$63.12
At current price
Enter now if confident

Risk Management

STOP LOSS
$60.61
MAX LOSS
-3.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (45.4) and current market volatility

Profit Targets (Based on Conservative Entry)

TARGET 1
$64.36
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$65.61
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$67.49
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
ETF Investment Disclaimer
This AI-generated analysis of KIE is for educational purposes only and does not constitute investment advice. ETFs are subject to market risk including possible loss of principal. Performance depends on the underlying index or assets tracked. Read the fund prospectus before investing. Past performance does not guarantee future results. Generated on September 16, 2026.

Growth of $10,000

A $10,000 investment in KIE in September 2016 would be worth about $25,933 today, compared with about $35,497 for the same investment in the S&P 500 benchmark.

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Monte Carlo Projection (10yr)

CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in KIE today could grow to about $22,855 by 2036 in the base case, with a bull case near $54,366 and a bear case around $9,608. Projections are statistical simulations, not guarantees.

KIE ETF Price Prediction: 2030

CleaRank's simulation projects a price near $87.85 for KIE by 2030 in the base case, from $63.12 today (1.4x over 4 years). The downside path ends near $50.78. These are outcomes of a Monte Carlo simulation run on KIE's historical return distribution, not price targets, and they assume no dividends are reinvested.

KIE simulated price paths by year
Year Downside (10th pct) Base case Upside (90th pct)
2027 $52.13 $68.56 $90.17
2028 $50.54 $74.47 $110
2029 $50.32 $80.88 $130
2030 $50.78 $87.85 $152
2031 $51.71 $95.42 $176
2032 $52.97 $104 $203
2033 $54.52 $113 $232
2034 $56.33 $122 $265
2035 $58.37 $133 $302
2036 $60.64 $144 $343

Method: 10,000 simulated price paths using KIE's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.

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Frequently Asked Questions

What is the expense ratio for the State Street SPDR S&P Insurance ETF (KIE)?
The expense ratio for KIE is 0.35%, which translates to a cost of $35.00 per $10,000 invested over a year. This fee covers the fund's operational and management costs.
What sectors does the State Street SPDR S&P Insurance ETF (KIE) primarily hold?
KIE is heavily concentrated in the Financial Services sector, holding approximately 98.13% of its assets. A small portion, about 1.87%, is allocated to the Healthcare sector.
How has the State Street SPDR S&P Insurance ETF (KIE) performed against its category over various periods?
Over the long term, KIE has shown strong performance against its category. Its 10-year return was 11.73% compared to the category's 10.58%. However, in the shorter term, its 1-year return of 9.09% lagged the category's 15.69%, and its 3-year return of 15.96% also trailed the category's 17.84%.
What is the price prediction for KIE ETF in 2030?
Based on Monte Carlo simulations, the projected base price for the KIE ETF in 2030 is $87.85. The downside projection is $50.78, and the upside projection is $151.98. These figures represent statistical simulation outcomes, not guaranteed price targets.
What is the current technical outlook for KIE?
KIE is currently trading below its 20-day and 50-day moving averages, indicating a short-term bearish trend. The RSI is neutral at 45.39, and the MACD suggests building bearish momentum.
What are the key risks associated with investing in the KIE ETF?
The main risk is sector concentration in insurance, making it susceptible to industry-specific downturns, regulatory changes, or major catastrophic events. Macroeconomic factors affecting the broader financial markets also pose a risk.
What is the dividend yield for the State Street SPDR S&P Insurance ETF (KIE)?
The dividend yield for KIE is approximately 1.55%, providing a modest income stream to investors.

Disclaimer: CleaRank.com is a financial data and analytics provider, not a registered investment advisor, broker-dealer, or financial regulatory body. The ETF analysis and AI-generated insights presented for KIE are for educational and informational purposes only and do not constitute financial advice, investment recommendations, or an offer to buy or sell any securities. ETFs are subject to market risk, including the possible loss of principal. ETF performance depends on the underlying index or assets it tracks, and past performance does not guarantee future results. Expense ratios, tracking error, and liquidity vary by fund. All trade setups and performance metrics shown are hypothetical, hindsight-based, and simulated. Market data is provided "as-is" and may be delayed by 15 minutes or more. Investors should read the fund prospectus carefully before investing. Consult a qualified financial advisor for personalized guidance. Analysis generated on September 16, 2026.

Disclaimer:

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