The yield on the Financial Select Sector SPDR Fund ( XLF ) is about 2.1%, which is just a hair above the broader market. Not just more income, but more everything aEUR" dividend growth to beat back inflation and make sure that the yield on your portfolio doesnaEURtmt decay over time, not to mention capital appreciation to keep building your nest egg. I did a quick analysis of one aEURoeproaEUR set of picks and calculated just 4% total return potential based on dividends and share appreciation from paltry estimated earnings growth.