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Upturn AI Summary
SPDR® S&P Insurance ETF(KIE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KIE
10/08/2026: KIE (1-star) is currently NOT-A-BUY. Pass it for now.
KIE provides targeted exposure to the U.S. insurance market using an equal-weighted strategy, which offers a balanced view across property, casualty, life, and health insurance firms. The fund is characterized by its high liquidity, competitive 0.35% expense ratio, and lack of concentration risk, making it an efficient tool for thematic sector exposure. It serves well as a component of a diversified portfolio for investors seeking yield or a hedge against specific economic conditions, such as rising interest rates. Potential risks include sector-specific sensitivities to catastrophe losses, interest rate cycles, and regulatory shifts. KIE is generally best suited for long-term investors who monitor macroeconomic trends impacting financial services.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth potential is tied to premium rate hikes and economic expansion rather than aggressive capital appreciation. |
| Momentum investor | Strong fit while signal remains positive | The sector often experiences multi-year cycles where momentum can persist due to rising interest rates. |
| Value investor | Strong fit | Insurance companies are frequently priced based on book value, making them attractive to value-oriented investors. |
| Dividend/Income investor | Strong fit | Many insurers within the portfolio are mature, cash-generative firms that pay reliable, growing dividends. |
| Low-risk investor | Mixed fit | While established, the sector is sensitive to macroeconomic and catastrophic risk, which may increase volatility. |
Investor Profile
Ideal Investor Profile
Investors seeking specific exposure to the insurance industry for strategic rotation or long-term dividends.
Suitability
Best for long-term investors or those utilizing a sector-rotation strategy rather than short-term traders.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | The sector can experience spikes in volatility during significant catastrophic events or market crashes. |
| Market risk | Medium / high | General market downturns often depress financial sector valuations regardless of individual insurer health. |
| Concentration | Low | The equal-weighted approach significantly mitigates the risk of single-stock concentration. |
| Tracking/expense | Low | Low expense ratios and efficient indexing ensure the fund closely tracks its target index. |
| Liquidity | Low | The high trading volume ensures that liquidity risk for retail investors is minimal. |
| Business/sector quality | Medium | Profitability is subject to unpredictable underwriting risks and regulatory oversight. |
Risk Analysis
Volatility
Historical volatility is moderate, reflecting the cyclical and event-driven nature of the insurance business.
Market Risk
Risks include macroeconomic shifts, regulatory pressures, and the unpredictable nature of underwriting losses.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Industry | Property and Casualty Insurance | 45 | This segment provides core protection and underwriting services which are essential to the broader economy. |
| Industry | Life and Health Insurance | 35 | These holdings benefit from long-term demographic trends and demand for personal financial protection. |
| Industry | Insurance Brokers and Reinsurance | 20 | These service-oriented sub-sectors often provide steady fee-based income and risk diversification. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit -2.26% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | ETF Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/08/2026 |
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