TDIV vs XLK: Yield, Cost and Returns Compared
As of Nov 5, 2026, TDIV yields more: 1.44% (dividend yield) against 0.50% for XLK. XLK is cheaper to own at 0.08% a year vs 0.50%. Over the same 14 years (Aug 2012 to Oct 2026), XLK returned 20.5% a year with distributions reinvested, and TDIV 15.7%.
| Compared | TDIV | XLK |
|---|---|---|
| YieldDividend yield | 1.44% | 0.50% |
| Expense ratio | 0.50% | 0.08% |
| Total return, 1 yr | +14.8% | +20.0% |
| Total return, 3 yr (a year) | +29.7% | +30.7% |
| Total return, 5 yr (a year) | +16.7% | +18.2% |
| Total return, 10 yr (a year) | +17.2% | +23.7% |
| Worst drop since Aug 2012 | -29.4% | -31.2% |
| Share price since Aug 2012 | +473% | +1077% |
| Pays | Quarterly | Quarterly |
| Issuer | First Trust | State Street Investment Management |
| Assets | $4.4B | $118.7B |
| Started | 2012 | 1998 |
| Type | Technology | Technology |
Higher yield
TDIV
1.44%
Lower cost
XLK
0.08%
Better total return
XLK
20.5%/yr
Smaller worst drop
TDIV
-29.4%
Key facts: TDIV vs XLK
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, TDIV yields 1.44% (dividend yield) and XLK yields 0.50% (dividend yield).
- TDIV's expense ratio is 0.50% and XLK's is 0.08%: $50 vs $8 a year on $10,000.
- From Aug 2012 to Oct 2026, $10,000 in TDIV grew to $78,852 (15.7% a year) and $10,000 in XLK to $141,124 (20.5% a year), distributions reinvested.
- Their worst month-end drops over that time: -29.4% for TDIV and -31.2% for XLK.
- 2 of TDIV's top ten holdings are also in XLK's top ten, an overlap of at least 13% of the fund.
Cite this page
SmarterDividends, "TDIV vs XLK: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/tdiv-vs-xlk
$10,000 in each, Aug 2012 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
TDIV became
$78,852
15.7% a year
XLK became
$141,124
20.5% a year
Year by year
| Year | TDIV | XLK |
|---|---|---|
| 2025 | +25.3% | +24.6% |
| 2024 | +24.4% | +21.6% |
| 2023 | +36.7% | +56.0% |
| 2022 | −22.1% | −27.7% |
| 2021 | +29.5% | +34.8% |
| 2020 | +17.5% | +43.6% |
| 2019 | +33.3% | +49.8% |
| 2018 | −3.2% | −1.7% |
| 2017 | +22.0% | +34.2% |
| 2016 | +20.1% | +15.0% |
| 2015 | −6.4% | +5.5% |
| 2014 | +15.6% | +17.9% |
| 2013 | +30.9% | +26.2% |
Total return each calendar year, distributions reinvested.
Top holdings
2 of the top ten overlap, at least 13% of each fund.
TDIV
- TXN Texas Instruments Inc9.4%
- IBM International Business Machines Corp8.7%
- MSFT Microsoft Corp8.2%
- ORCL Oracle Corp7.3%
- AVGO Broadcom Inc7.3%
- QCOM Qualcomm Inc4.3%
- TSM Taiwan Semiconductor Manufacturing Co Ltd ADR4.1%
- ADI Analog Devices Inc3.6%
- TRI.TO Thomson Reuters Corp2.8%
- VISN Vistance Networks Inc2.1%
XLK
- AAPL Apple Inc15.3%
- NVDA NVIDIA Corp15.1%
- MSFT Microsoft Corp11.8%
- AVGO Broadcom Inc4.7%
- AMD Advanced Micro Devices Inc4.5%
- MU Micron Technology Inc4.0%
- PLTR Palantir Technologies Inc Ordinary Shares - Class A2.6%
- CSCO Cisco Systems Inc2.5%
- INTC Intel Corp2.0%
- AMAT Applied Materials Inc1.9%
TDIV vs XLK: questions
Is TDIV or XLK better?
It depends on the job. TDIV pays more today (1.44% vs 0.50%), XLK costs less, and XLK has the better total return over Aug 2012 to Oct 2026, with TDIV holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, TDIV or XLK?
TDIV, at 1.44% against 0.50% for XLK as of Nov 5, 2026. On $10,000 that's about $144 vs $50 a year at today's rates.
Which has the better total return?
XLK. From Aug 2012 to Oct 2026, it returned 20.5% a year with distributions reinvested, against 15.7% for TDIV. $10,000 became $141,124 vs $78,852.
Which is cheaper, TDIV or XLK?
XLK, with a 0.08% expense ratio against 0.50%.
Do TDIV and XLK hold the same things?
Partly. 2 of their top ten holdings match (MSFT, AVGO), at least 13% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. XLK leads on 6 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.