ETF·NYSE
State Street Utilities Select Sector SPDR ETF (XLU)
- Net assets
- $21.33B
- Expense ratio
- 0.08%
- Yield
- 3.07%
- 52-week range
- $39.03 $47.80
The short version
Where XLU stands today, in four lines, and what CleaRank Financial AI makes of it.
XLU at a glance
State Street Utilities Select Sector SPDR ETF (XLU): Hold, 49/100 on CleaRank's AI score.
- Trend Mixed: the price is above its 50-day but below its 200-day moving average ($42.02 and $44.31).
- Fund Expense ratio 0.08%, $21.3B in net assets, -7.0% total return over 1 year.
Figures as of October 17, 2026.
CleaRank Financial AI
CleaRank rates State Street Utilities Select Sector SPDR ETF (XLU) Hold, with a model score of 49/100.
Momentum lifts the score most: the 14-day RSI of 60.9 is in the bullish zone and the MACD line is positive. The trend holds it back most: the price is 4.74% below its 200-day average, and the 50-day average is 5.17% below the 200-day. The 50-day average stands at $42.02 and the 200-day at $44.31. Over the past year the price fell 8.13%.
Only on CleaRank
Figures we compute ourselves from XLU's own price history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
1/4Price above its 50-day average ›
The price of $42.21 is 0.5% above the 50-day simple moving average of $42.02.Price above its 200-day average ›
The price is 4.7% below the 200-day simple moving average of $44.31.50-day average above the 200-day ›
The 50-day average ($42.02) is 5.2% below the 200-day average ($44.31), the arrangement of a falling longer-term trend.In the upper half of its 52-week range ›
The price sits at 36% of its 52-week range, between $39.03 and $47.80.
XLU share price
Pick a period: each tab shows how far XLU has moved over it, to the last close.
Today's trading
Where XLU sits inside today's range and its 52-week range.
Fund facts and valuation
What the fund holds, what it costs and how it is valued.
Fund checks
3/5Expense ratio at or below 0.20% ›
The fund charges 0.08% a year, $8.00 on a $10,000 holding.Over $1B in net assets ›
Net assets total $21.3B.No sector above 35% of the fund ›
The largest sector, Utilities, makes up 100.0% of the fund.Pays a distribution ›
The distribution yield is 3.07%.Positive return over one year ›
The fund family reports a one-year total return of -7.04%.
XLU Fund Facts
State Street Utilities Select Sector SPDR ETF is an exchange-traded fund that provides concentrated exposure to U.S. utility companies within the S&P 500. The fund is designed to track the Utilities Select Sector Index, using a passive, replication-based approach that typically holds electric, gas, water, multi-utility, and independent power and renewable electricity businesses. Its portfolio is weighted toward large, established companies, with holdings selected from the utilities segment of the broader U.S. equity market.
Sector weights
Trailing total returns
| Period | XLU |
|---|---|
| YTD | -5.70% |
| 1 month | -5.90% |
| 3 months | -12.40% |
| 1 year | -7.04% |
| 3 years | 13.51% |
| 5 years | 7.47% |
| 10 years | 8.23% |
As of Oct 17, 2026, XLU has an expense ratio of 0.08%, $21.33B in net assets and a distribution yield of 3.07%.
Fund reference data as of Oct 17, 2026. Expense ratio and net assets are reported by the fund; returns are total returns and can differ from price change.
Key statistics
The headline figures for XLU.
What the numbers say
CleaRank Financial AI's reading of XLU's holdings, performance and risks.
State Street Utilities Select Sector SPDR ETF (XLU) is built around Utilities, which makes up 100.0% of the fund. With almost all of its holdings in one sector, XLU tends to move in step with that sector. The fund is run by State Street Investment Management and was launched on December 16, 1998.
The fund's expense ratio is 0.08%, or $8.00 a year on a $10,000 holding. Net assets stand at $21.3B. Distribution yield is 3.07%, and portfolio turnover is 2%.
Concentration is the main risk to weigh. Utilities makes up 100.0% of the fund, so any setback in that sector would reach the whole portfolio. XLU's daily returns have a 30-day standard deviation of 1.02%. Over the past year the price fell 8.13%.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
3/3RSI not overbought or oversold ›
The 14-day RSI is 60.9, showing bullish momentum without being overbought.RSI above 50 ›
An RSI of 60.9 is above the 50 midpoint, so buyers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is positive, so the 12-day average is above the 26-day average.
CleaRank AI analysis of XLU
The score, the reasoning behind it, and what could move the price next.
State Street Utilities Select Sector SPDR ETF (XLU) trades between its two moving averages. At $42.21 it sits 4.74% below the 200-day average of $44.31 but 0.45% above the 50-day average of $42.02. The 50-day average is 5.17% below the 200-day, a sign that the recent recovery has yet to climb back to the longer-run averages. Across the 52-week range, which runs from $39.03 to $47.80, today's price stands at 36% of the distance up.
Recent gains sit against a weaker longer record: the price rose 2.15% over the past month, fell 6.55% over the past three months and fell 8.13% over the past year. On momentum, the 14-day RSI reads 60.9, in the bullish zone, below the overbought line, with the MACD line positive.
- Keep an eye on the two closest levels: the 200-day SMA at $44.31 sits above the price, and the 50-day SMA at $42.02 sits below it.
- A 14-day RSI of 60.9 falls in the bullish zone, and the MACD line is positive. Readings above 70 or below 30 point to stretched momentum.
- Costs compound: at 0.08% a year, XLU charges $8.00 on every $10,000 invested.
The trend is mixed: XLU is above its 50-day average at $42.02 but below its 200-day average at $44.31. A close above the 200-day would turn both signals up, and a close below the 50-day would turn both down. In the meantime the price sits between the 50-day SMA ($42.02) underneath and the 200-day SMA ($44.31) overhead.
The RSI sits in the bullish band, which supports the current direction without being stretched.
Technical indicators
Momentum and trend for XLU, from its daily closes.
As of October 17, 2026, with XLU at $42.21, its 14-day RSI is 60.9 (showing bullish momentum without being overbought), its 50-day simple moving average is $42.02 and its 200-day is $44.31.
Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What XLU moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 17, 2026, XLU's 1-year correlation of daily returns is +0.32 with S&P 500 (SPY), +0.20 with Nasdaq 100 (QQQ), +0.03 with Bitcoin (BTC) and +0.17 with gold (XAU).
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
XLU trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Entry Strategies pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from XLU's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much XLU tends to move, against the market and on its own.
The long record
XLU's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Average daily move under 2% ›
The price has moved 1.02% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 26.3%, from February 2020 to March 2020, regained by April 2021.Most 1-year holds ended higher ›
85% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $31,892, against $42,055 in the S&P 500 (SPY).
XLU Drawdowns & Recovery
As of October 17, 2026, XLU's worst peak-to-trough fall over the last 10 years with dividends reinvested was -26.3% (February 2020 to March 2020); it regained that peak by April 2021, 13 months after the low, and 85% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into XLU in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: XLU trailed the S&P 500 over this period: $31,892 against $42,055.
A $10,000 investment in XLU in October 2016 would be worth about $31,892 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to XLU, and which have not.
Strongest month, April: an average of +2.56%, up in 7 of 10 years.
Weakest month, December: an average of -0.49%, up in 5 of 10 years.
This month, October: has averaged +1.31%, up in 6 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, XLU's strongest calendar month has been April (average +2.56%, up in 7 of 10 years) and its weakest December (average -0.49%, up in 5 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in XLU, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in XLU today could grow to about $18,036 by 2036 in the base case, with a 90th-percentile outcome near $39,424 and a 10th-percentile outcome around $8,251. The simulation models price only; at today's 3.07% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
XLU 2030 Scenarios (Monte Carlo)
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $53.44 for XLU by 2030 in the base case, from $42.21 today (1.3x over 4 years). The 10th-percentile path ends near $32.59. These are outcomes of a Monte Carlo simulation run on XLU's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $34.96 | $44.77 | $57.34 | |
| 2028 | $33.48 | $47.49 | $67.38 | |
| 2029 | $32.83 | $50.38 | $77.32 | |
| 2030 | $32.59 | $53.44 | $87.63 | |
| 2031 | $32.61 | $56.69 | $98.54 |
Method: a lognormal simulation of XLU's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Questions people ask
Answered from the figures on this page, as of October 17, 2026.