ETF Versus

GLD vs XLV

SPDR Gold Shares vs State Street Health Care Select Sector SPDR ETF

Last updated: 2026-04-10

GLD SPDR

SPDR Gold Shares (GLD) is an exchange-traded fund issued by SPDR that provides exposure to gold securities. It charges an above-average expense ratio of 0.40%. Launched in 2004, the fund has a 22-year track record.

AUM: $162.2B ER: 0.40% Yield: N/A Since: Nov 18, 2004
XLV SPDR

State Street Health Care Select Sector SPDR ETF (XLV) is an exchange-traded fund issued by SPDR that provides exposure to us sector - healthcare securities. It charges a low expense ratio of 0.08%. The fund offers a moderate dividend yield of 1.70%. Launched in 1998, the fund has a 28-year track record.

AUM: $39.2B ER: 0.08% Yield: 1.70% Since: Dec 16, 1998

Quick Verdict

XLV is significantly cheaper at 0.08% vs 0.40% expense ratio, saving you approximately $627 per $10,000 invested over 10 years. Over the past year, GLD has significantly outperformed with a 49.8% return vs 9.6%.

Key Metrics

Metric GLD XLV
Expense Ratio 0.40% 0.08%
Dividend Yield N/A 1.7%
Fund Family SPDR SPDR
Category Gold US Sector - Healthcare

Performance Chart

Indexed to 100 at start (5-year comparison)

90 134 178 222 266 310 2021-04 2022-07 2023-10 2025-01 2026-04
GLD +169.9%
XLV +25.2%

Performance Comparison

Period GLD XLV Difference
1 Month -8.02% -3.26% -4.76%
3 Months +3.74% -6.04% +9.78%
6 Months +15.85% +4.17% +11.68%
YTD +9.98% -4.91% +14.89%
1 Year +49.83% +9.62% +40.21%
3 Years +135.15% +10.45% +124.70%
5 Years +169.92% +25.24% +144.68%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period GLD Fees XLV Fees You Save
$10,000 10 years $786 $159 $627
$10,000 20 years $3,334 $686 $2,648
$10,000 30 years $10,601 $2,212 $8,388
$50,000 10 years $3,932 $797 $3,135
$50,000 30 years $53,003 $11,061 $41,941
$100,000 30 years $106,005 $22,123 $83,882

Risk Metrics

Based on 5 years of daily returns

Metric GLD XLV
Annualized Volatility 17.8% 14.6%
Max Drawdown -21.0% -18.1%
Sharpe Ratio 0.96 0.07

Dividend Comparison

Metric GLD XLV
Annual Dividend (per share) $0.00 $2.51
Dividend Yield 0.00% 1.70%
Distribution Frequency None Quarterly

Top Holdings

XLV Top Holdings

NameWeight
Eli Lilly and CompanyLLY14.06%
Johnson & JohnsonJNJ10.80%
AbbVie Inc.ABBV6.97%
Merck & Co., Inc.MRK5.66%
UnitedHealth Group IncorporatedUNH5.16%
Amgen Inc.AMGN3.56%
Thermo Fisher Scientific Inc.TMO3.49%
Abbott LaboratoriesABT3.32%
Gilead Sciences, Inc.GILD3.27%
Intuitive Surgical, Inc.ISRG3.00%

Which One Should You Choose?

Choose XLV if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose GLD if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

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